Medicare for Snowbirds: What to Know When You Live in Two States

If you’re someone who heads south for the winter or splits your time between two homes in different states, you’re what the world often calls a “snowbird.” And while your dual-state lifestyle might offer the best of both worlds, it can add some complexity to your Medicare coverage.

The good news? With a little planning, you can make sure your Medicare benefits travel with you. Here's what multi-state-dwellers need to know to stay covered, avoid surprises, and make the most of their benefits—no matter where they land.

The Basics: What Medicare Covers Anywhere in the U.S.

If you have Original Medicare (Parts A and B), you’re already off to a good start. You can see any doctor or use any hospital that accepts Medicare in the United States—no referrals required, no network restrictions. Coverage is consistent across all 50 states and US territories.

But things get trickier if you’ve added other types of Medicare coverage, like a Medicare Advantage plan, a Part D drug plan, or Medicare Supplement Insurance (Medigap).

Let’s break it down.

Medicare Advantage Plans: Check the Network

Medicare Advantage (Part C) plans are offered by private insurers, and most operate within a specific geographic service area. These plans often require you to use doctors and hospitals within their local network, and some require referrals for specialists.

If you live in one state half the year and another the other half, a plan that works great in Florida may not cover your routine care in Michigan—or it may cover it at a much higher out-of-network rate.

Questions to ask:



• Is your Medicare Advantage plan a PPO (which may offer some out-of-network coverage) or an HMO (which usually doesn’t)?
   
• Do both of your locations fall within the plan’s service area?
   
• What happens if you need routine care while living in your second home?
  

Prescription Drug Plans (Part D): Location Matters

Part D drug plans also have networks—specifically, pharmacy networks. A plan based in New York might not include your favorite neighborhood pharmacy in Arizona.

To avoid disruption in your prescriptions:

• Choose a plan with nationwide pharmacy access, like a major chain or mail-order pharmacy.
   
• Double-check that your medications are still covered no matter where in the US you are (most drug plans don’t cover drugs received outside the US and its territories).
   
• Review your plan’s formulary (drug list) and participating pharmacies annually during the Open Enrollment Period (Oct. 15–Dec. 7).

Medigap Plans: More Flexibility for Travelers

If you’ve chosen Original Medicare and added a Medicare Supplement Insurance (Medigap) policy, you’re in luck. Most Medigap plans allow you to see any Medicare-participating provider in the country, making them an excellent choice for snowbirds.

Just remember:

• Medigap policies are standardized, but sold by private insurers, and prices may vary by state.
   
• If you change your permanent residence, you may be eligible for a new plan or pricing structure.

Your Primary Residence and Medicare

Even if you live in two states, Medicare requires you to designate a primary residence—typically the address used for taxes, driver’s license, and voter registration. This determines your plan eligibility and service area for Medicare Advantage or Part D plans.

If you make a permanent move (not just a seasonal stay), you’ll qualify for a Special Enrollment Period to switch plans that better fit your new location.

Coverage in Emergencies

Medicare will always cover emergency or urgent care in the U.S., regardless of where you are. So if you're visiting your second home and something unexpected happens, you won’t be left without coverage.

For Medicare Advantage members, be sure to check what your plan considers "emergency" and “urgent care” vs. "out-of-network" services. Some plans have specific rules about these types of visits outside their service area.

Quick Tips for Medicare Snowbirds

Here’s a quick checklist to help you make the most of Medicare while living in two states:

1. Work with a Medicare expert – Licensed agents can help you compare plans in both states and find the right match.
2. Choose flexible coverage – Original Medicare + Medigap offers the most freedom. If you use Medicare Advantage, consider a PPO plan with a wider service area.
3. Confirm your drug plan’s pharmacy network – Make sure it works in both locations.
4. Keep your legal address up to date – Medicare uses your home address to determine eligibility for plans.
5. Understand emergency and urgent care coverage – Know what’s covered and what isn’t, especially with Medicare Advantage.
6. Review plan notices every fall – Networks and costs can change each year. Don’t assume your plan still fits your lifestyle.