What may happen to a Medicare beneficiary's plan if they relocate to a different state?

When a Medicare beneficiary relocates to a different state, the correct course of action typically involves the necessity to change to a new plan. Medicare Advantage and Medicare Part D plans often have geographical limits tied to specific areas, such as individual counties or states. When a beneficiary moves out of their current plan's service area, they usually lose access to that plan and must select a new one that is available in their new location. This process ensures that beneficiaries are enrolled in a plan that offers coverage in their new area, which is essential for maintaining their Medicare benefits.

Keeping the current plan regardless of the move is not feasible because plans are designed around specific geographic locations, leading to the conclusion that a change is necessary. Similarly, changes are not solely dependent on moving counties but are also influenced by state lines, which can result in the need for a new plan. Lastly, canceling all Medicare coverage is not accurate; instead, beneficiaries typically transition to new plans that fit their circumstances rather than losing their coverage entirely.