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Moving to North Carolina: What You Need to Know About Medicare Insurance Coverage

So you’re thinking of moving to North Carolina? We aren’t surprised and we’re happy to have you! Whether you are moving to the amazing Blue Ridge mountains, the exquisite coast, or to a major North Carolina city like Raleigh, you’ve made a great choice selecting the Tarheel state as your new home.

North Carolina has been ranked as one of the most popular states for retirees. You may be moving to this region to be closer to friends and family or you may just be attracted to everything North Carolina has to offer. No matter the reason, we have you covered with tips to make your transition easier when it comes to Medicare.

As you make this move, you will have quite an extensive “Moving to Do List” between buying and selling a home, selecting a moving company, and packing! Health Insurance coverage (if you’re under 65) and Medicare coverage should definitely be on your checklist and the team at Carolina Insurance Professionals is here to help check off several boxes on that list.

Moving your Medicare from state to state doesn’t have to be hard if you partner with the right team of independent insurance agents. We’re conveniently located in Raleigh, NC, and ready to help you transition your Medicare to a new state.

The North Carolina Medicare Basics: Is Medicare Coverage Different In Each State?

Your benefits under Medicare A and B do not change when you move from state to state. For example, if you’re moving from Orlando, Florida to Raleigh, North Carolina, Medicare A and B won’t change.

  • If you have Medicare supplements, make sure you work with an experienced licensed Medicare professional who can help you time your move. This ensures that there are no gaps in your coverage when it comes to new coverage selection.
  • Contact a member of the Carolina Insurance Professionals team when you know your target move date. We can work together to set up a timeline that will ensure no lapse of coverage.
  • You’ll have access to a Special Enrollment Period which is generally one month prior to you moving and two months after you make the move. SEPs are granted in special circumstances, such as moving to another state. Your Special Enrollment Period will allow you to make changes to your Medicare plan and accommodate your relocation to Raleigh, NC.
  • Moving out of state may impact your preferred provider networks. Talk to us ASAP so we can notify your Medicare plan that you’re moving to North Carolina.
  • Make sure you review the current rates of the state you are living in and compare them to North Carolina rates. You may be surprised at how the rates can vary across the United States. Many folks are shocked to find out that even a zip code within the same state can affect your coverage and costs.
  • No need to worry about all this info alone! A knowledgeable Carolina Insurance Professionals agent can help you work through these details so you can focus on home closings, movers, and new paint colors!

North Carolina Medicare Supplements

There are several factors to consider before selecting your Medicare plan in Raleigh, North Carolina. We can help point you in the right direction. Some things to consider are:

  • First, do you want your Medical and Drug Coverage under one plan?
  • Second, do you want the ability to take your bucket list trips and still have great coverage?
  • Finally, do you need Dental, Hearing, and Vision coverage?

What Happens to my Medicare Advantage Plan if I Move to Another State?

You may need a review of your A, B, C’s when it comes to Medicare coverage. Let’s review them together. Remember, if you have questions, contact the insurance agents with Carolina Insurance Professionals. We remain dedicated to helping countless individuals, families, and new North Carolina residents transition their Medicare and healthcare plans.

  • Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
  • Part B Medicare covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
  • Also, Medicare Advantage C plans cover elements of Parts A and B and some cool things like wellness checks, hearing aids, and vision checks. In some cases, it includes part of Part D.
  • Prescription Plan Part D covers the necessary prescriptions for needs and budget.
  • Medigap comes through private insurance companies and aims to fill in the “gaps” left in the traditional Medicare coverage.

Use a North Carolina Insurance Agent Who Specializes In Medicare Relocation Services

One phone call to a local agent at Carolina Insurance Professionals can give you a great perspective on the Medicare scene in Raleigh, North Carolina. We can also give you advice on the area you are moving to and give you some great local tips!

With a Licensed Medicare Specialist on Your Side, You Can Easily:

  • Compare North Carolina plan options, especially in Raleigh, NC, and the surrounding areas
  • Be confident that you have secured the best rates for your coverage
  • Feel positive you will have a trusted advisor on your side for this process

What to do Once You’ve Moved to Raleigh, NC:

  • Choose your New Primary Doctors
  • Research local hospitals and facilities in the Raleigh area that are appealing to you in case you need to visit one of them
  • Find local pharmacies with great customer service to use for your prescription plan
  • Remember that your new neighbors and friends will be a great place to get recommendations for these referrals

What if Someone in My Household isn’t on Medicare?

If someone in your household is not on Medicare, the team at Carolina Insurance Professionals can assist them in their transition via individual health insurance. When you move to a new state, you qualify for a Special Enrollment Period (SEP) that allows you to make changes to your health insurance or Medicare coverage, even if it’s not Open Enrollment.

Our expert insurance agents can explain your options to you. Carolina Insurance Professionals will determine if qualify for tax credits through the Affordable Health Care Act (also known as the Marketplace), or whether a non-subsidy plan is more appropriate. It is critical to get this conversation started when you have a relocation date. You’ll have 60 days from the loss of coverage in the other state to select your options in North Carolina.

Moving is stressful and we are here to help. Put “Call Carolina Insurance Professionals” at the top of your to-do-list. Trust that we are here to help you with your health, Medicare, auto, and home insurance needs. With almost 20 years of experience here in North Carolina, we can make this transition easier for you. Contact us today for a free quote! And most importantly, welcome to Raleigh, North Carolina. You’ll love it here!