What happens to Medicare and Medicaid if I move to Florida?

Photo: pixabay.com

Q. I was receiving Medicare Parts A, B, C and D in New Jersey, as well as Medicaid for more than 25 years. I also receive Social Security disability. I moved to Florida five months ago. I have to establish my residency here. What do I need to do about Medicaid and Medicare to make sure I comply with the rules.
— On the move

A. We’re sorry to see you go, but we hope you enjoy your time in the Sunshine State.

When a recipient of Medicare moves to a new location, notification should be made to the Social Security Administration.

Let’s get specific.

Original Medicare, which is comprised of Parts A and B, is transferable, said Claudia Mott, a certified financial planner with Epona Financial Solutions in Basking Ridge.

“For those who have supplemental or what are often called Medicap policies, a call to the provider to determine whether the same coverage is available in the new location should be the first step,” Mott said. “In some cases, the supplemental plan can remain in effect but there is always the chance that the premium may be different.”

In the event that the provider does not have plans in Florida, you’ll need to select new coverage, Mott said.

The same scenario would also hold true for a Part D prescription plan and a call to the provider will answer the question whether coverage can continue or a new plan needs to be obtained, she said.

Mott said Medicare Advantage plans use a network of local providers and must be replaced when moving to a new state.

“The current carrier may offer plans in the new location, but if not, a new one can be selected. A recipient of both Medicare and Medicaid may be eligible for a Special Needs Medicare Advantage plan (D-SNP) which would be offered through an insurance provider,” she said.

Florida Medicaid or the Statewide Medicare Managed Care (SMMC) program has three parts: managed medical assistance, long-term care and dental.

To be eligible, you must meet a number of criteria including having a disability, be age 65 or older or blind, Mott said. There is also an income limit which is $17,131 for a single household.

Once you apply you are likely to receive a letter once a determination about your eligibility has been made, she said.

If you find you have questions, the contact number for Florida Medicaid is (877) 711-3662 or go online.

Email your questions to .

This story was originally published on Feb. 22, 2022.

NJMoneyHelp.com presents certain general financial planning principles and advice, but should never be viewed as a substitute for obtaining advice from a personal professional advisor who understands your unique individual circumstances.