Saturday: 10:00 a.m. – 4:00 p.m.
Sunday: 10:00 a.m. – 3:00 p.m.
Orlando & Central Florida · Questions answered
Moving to Central Florida on Medicare? What changes and what to do
By Ankur Mehta, licensed independent insurance agent based in Maitland, FL · Updated October 28, 2026
Short answer: If you have a Medicare Advantage or Part D plan and move to Central Florida, you usually get a Special Enrollment Period to choose a new plan that serves your new area. Original Medicare goes with you anywhere in the U.S., and a Medigap policy can usually move with you too.
If you have a Medicare Advantage or Part D plan
These plans are approved for specific counties. If you move out of your plan’s service area, you can switch to a plan available in your new county. If you tell your plan before you move, the window starts the month before your move and lasts 2 full months after. If you tell your plan after you move, it starts the month you tell them and lasts 2 more full months. Don’t wait: if you don’t pick a new plan, you could be moved to Original Medicare without drug coverage.
If you have Original Medicare and a Medigap policy
Original Medicare works anywhere in the U.S. A Medicare Supplement policy usually moves with you, but your premium can change based on your new location. If you have a Medicare SELECT policy, which uses a network, you may need to change plans.
Your to-do list after a move
- Update your address with Social Security.
- Tell your plan your move date.
- Find new doctors and a pharmacy near you, and check that they’re in network.
- If you get help with costs through Medicaid or a Medicare Savings Program, apply again in Florida. Benefits from another state don’t transfer.
Snowbirds
If you split the year between Central Florida and another state, check how each plan covers you in both places before you choose. HMO plans usually cover only emergencies and urgent care outside their area.
New to the area? I can help
I’m based in Maitland and help people who just moved to Central Florida choose the right Medicare coverage, at no cost to them.
Want a second set of eyes? Call (904) 612-3757 or request a free review. See also: Medicare help in Orlando and Central Florida.
We do not offer every plan available in your area. Currently we represent 16 Medicare organizations which offer 285+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not affiliated with any government agency, including Medicare.