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Relocating to South Carolina with an Existing Medicare Insurance Plan Relocating to South Carolina is a popular thing to do nowadays. In 2009, South Carolina was listed as one of the top five retiree desinations among all 50 states. That means there are lots of Medicare-enrollees moving here with existing Medicare coverage. There is a lot to think about when you are moving to a new state, not the least of which is how it will affect your existing Medicare insurance plan. Regardless of which type of plan you have, Medicare Supplement or Medicare Advantage, the fact is that your coverage and/or rate will be affected in some way(s). Here are a few considerations when relocating to South Carolina with one of the following types of plans: Medicare Parts A & BYour Medicare Part A and Medicare Part B will not be affected by your move to South Carolina from another state. Since this is Federal program, this coverage will remain unchanged. You will want to make sure, however, to notify Medicare of your move, specifically so they can change your permanent address on record. Medicare Supplement PlanMedicare Supplements, since they are Federally-standardized, are the same in every state. So, when you move to South Carolina, your coverage will not change. You should be able to take your coverage with you and keep the same level of coverage, as well as the same level of doctor/hospital accessibility (any doctor that takes Medicare would take the Federally-standardized Medicare Supplement plan). However, you may find that your rate changes a good bit. After your move, your new rate, in most cases, will be based on your new zip code. Different companies have better rates in different states, so you may be able to get a reduced rate in your new state, regardless of whether your rate changes. South Carolina Medicare Supplement rates are very competitive with surrounding states, and even more competitive when compared to states in the Northeast US, sometimes less than half of the price of the same coverage in that part of the country. Medicare Advantage PlanMedicare Advantage plans are the most popular types of plans in some parts of the country, particularly the Northeast. They are not necessarily the most popular plans in South Carolina. There are not as many choices for those who wish to enroll in this type of plan. These plans, Medicare Advantage plans, do have specific network areas that they cover, so except in rare instances, you would have to switch plans when moving from another state to South Carolina. At that time, you would have a "Guaranteed Issue" period and be able to select either another Medicare Advantage plan in South Carolina you would be eligible to sign up for a Medicare Supplement plan in South Carolina. Obviously, there is a lot to think about when considering your move to South Carolina. Not the least of these, though, is your Medicare insurance and how it will be affected by your move. When relocating, make sure you get an early start on comparing plans in your new state to make for a smooth transition. Secure Medicare Solutions is a leading, independent brokerage that covers the states of South Carolina, North Carolina, Georgia, and Tennessee. We are a brokerage, so we work with all of the prevalent companies in these states to ensure that you get the best coverage for the best available rate. You can get more information about Medicare supplement plans at South Carolina Medicare Supplements Insurance and Plans, and you can get quotes for all of the companies emailed directly to you by going to South Carolina Medicare Supplement Insurance Quotes. |
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