Do I need to notify Medicare when I move to another state?

Yes. You should update your address with Social Security so Medicare records remain accurate and you continue receiving important notices and plan information.

Does moving to another state cause a Medicare penalty?

No. Moving alone does not trigger a Medicare penalty. Penalties usually occur only if you delay enrolling in Medicare Part B or Part D without creditable coverage.

Does Medicare Part B change when I move?

Medicare Part B works nationwide and does not change when you move. However, missing enrollment deadlines or dropping coverage incorrectly can lead to late enrollment penalties.

Can I keep Medicare Supplement Plan G if I move?

In most cases, yes. You would get a special election period to purchase a new plan in your new area

Will my Plan G premium change after moving?

It may. Medigap premiums are based on ZIP code and state pricing rules, so moving to a different state can result in a premium change.

Can I switch Medigap plans when I move?

You can apply to switch plans, but outside of guaranteed issue situations, medical underwriting may apply depending on the state and timing.

What happens to Medicare Advantage when I move?

Medicare Advantage plans are tied to local service areas. If you move outside your plan’s coverage area, you typically qualify for a Special Enrollment Period to choose a new plan.

Can I keep Medicare Advantage if I live in two states?

Sometimes, but not always. Most Medicare Advantage plans use regional networks, which can make living in two states more complicated.

Is Original Medicare better for frequent travelers?

Often, yes. Original Medicare paired with a Medigap plan like Plan G or Plan N usually offers broader nationwide access than Medicare Advantage.

Do I need to change my Medicare plan if I’m just traveling?

Short-term travel usually does not require plan changes. Longer stays or permanent moves often do.

What if I miss my Medicare enrollment window after moving?

You may qualify for a Special Enrollment Period, but timing is important. Missing deadlines can increase the risk of penalties or coverage gaps.

Does Medicare Part D change when I move?

Yes. Medicare Part D plans are service-area based, so moving may allow you to change drug plans.

What to Do When Moving to Another State With Medicare

If you’re moving to another state, living in two states, or traveling frequently, it’s important to understand how moving affects Medicare coverage. Depending on whether you have Original Medicare, Medicare Supplement Plan G, or Medicare Advantage, your options — and required actions — can differ.

Original Medicare vs. MedMedicare and Diabetes: What You Need to Know Before Turning 65 icare Advantage: What’s Best for You at 65?

Medicare

July 15, 2025 / 0 Comments

Medicare and Diabetes: What You Need to Know Before Turning 65

Learn how Medicare covers diabetes care, supplies, and medications. Find out what options are best if you’re turning 65 and living with diabetes.

Managing diabetes is a full-time job—your Medicare coverage shouldn’t be.

If you’re nearing 65 or already on Medicare and living with diabetes (or helping someone who is), it’s time to understand how Medicare can support your care and reduce your out-of-pocket costs.

In this post, we’ll walk you through how Medicare covers diabetes supplies, medications, and services. Whether you’re newly diagnosed or have been managing diabetes for years, this guide is for you.

How Medicare Covers Diabetes

Medicare Part B: Doctor Visits and Supplies

Medicare Part B (Medical Insurance) helps cover:

Blood sugar monitors
Test strips
Lancets and lancet devices
Insulin pumps and insulin used with pumps
Diabetes screenings (for qualifying patients)
Diabetes self-management training (DSMES)

These items typically require that you use a Medicare-enrolled supplier, and there may be co-pays or deductibles.

Medicare Part D: Prescription Drugs

Medicare Part D covers:

Each Part D plan has its own formulary (drug list), so it’s critical to choose the right one based on your specific prescriptions.

Medicare Part C (Medicare Advantage): All-in-One Coverage

Many seniors choose Medicare Advantage plans for more comprehensive diabetes support. These plans often include:

$35 copay on select insulins (as part of the part D Senior Savings Model)
Supplies like syringes, needles, and alcohol swabs
Fitness programs
Nutrition counseling
Coordinated care with specialists

Real-Life Example: Carol's Story

Carol, a 64-year-old from Florida, was managing her Type 2 diabetes with multiple medications and regular A1C checks. She had no idea how Medicare would handle her needs.

Working with a licensed Medicare advisor, she:

The result? Carol felt more in control—both physically and financially.

What You Should Do Before Turning 65

Here are 5 smart steps to take if you have diabetes and are approaching Medicare eligibility:

Get a list of your current medications
Include insulin, oral meds, and supplies.
Understand how you manage your diabetes
Are you using a pump? Injections? Continuous glucose monitor?
Compare plans carefully
Look for insulin savings, supply coverage, and specialist access.
Talk to a Medicare advisor
A good one will look at your medications and recommend a plan that fits your life and budget.
Mark your calendar
Your Medicare Initial Enrollment Period starts 3 months before your 65th birthday.

FAQs About Medicare and Diabetes

Does Medicare cover continuous glucose monitors (CGMs)?

Yes, if you meet the criteria, CGMs like Dexcom or FreeStyle Libre may be covered under Part B.

Can I get a free glucose monitor through Medicare?

You may be eligible for one at little or no cost, depending on your plan and provider.

Do I need a special Medicare plan for insulin?

Some plans offer $35/month insulin under the Part D Senior Savings Model—it’s worth asking about!

Living with diabetes doesn’t have to mean drowning in medical bills or confusing insurance rules. With the right Medicare plan, you can focus on your health—not your paperwork.

Ready to make Medicare work for you?

Our expert Medicare advisors specialize in helping people with diabetes find the best coverage at the lowest cost. Whether you’re exploring Original Medicare, Advantage plans, or drug coverage, we’ve got your back.

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