What follows you and what doesn't
| Coverage | After you move to Florida |
|---|---|
| Original Medicare | No change. Update your address with Social Security. |
| Medigap | Usually keeps working; ask about your premium. |
| New Jersey Medicare Advantage plan | Ends; it doesn't serve Florida counties. |
| New Jersey standalone Part D plan | Ends; Florida is its own Part D region (Region 11). |
| PAAD, Senior Gold, Lifeline, HAAAD | End once you establish residency outside New Jersey. |
| NJ Medicaid or Medicare Savings Program | Doesn't transfer. Apply in Florida through ACCESS Florida. |
PAAD and Senior Gold don't come to Florida
New Jersey's PAAD program requires you to be a New Jersey resident, and PAAD members with Medicare must be enrolled in a Part D plan. The Division of Aging Services lists establishing residency outside New Jersey as a reason you lose PAAD, Lifeline, HAAAD or Senior Gold. So when Florida becomes your home, both the state help and the New Jersey Part D plan it worked with end.
Florida doesn't have a state drug-assistance program for seniors. Your help with drug costs here is your Part D plan, the yearly out-of-pocket cap that every Part D plan has, and, if your income and assets qualify, federal Extra Help. For 2027, CMS lists 11 standalone Part D plans from 6 companies in Florida.
Losing a state pharmaceutical assistance program opens a window to join a Part D plan. Medicare.gov says it starts the month you lose eligibility or are told, whichever is earlier, and ends 2 months after the later of the two.
Medigap after leaving New Jersey
Keeping your current policy is usually the simplest choice. Buying a new one in Florida is different: Florida has no birthday rule or yearly right to switch, and a switching right from another state's law doesn't carry over. Your guaranteed chances are leaving a Medicare Advantage plan because you moved (until 63 days after it ends) and Florida's 2-month window after group health coverage ends. To compare Florida plans from the companies they work with, you can request a call from a licensed insurance agent.
Related questions
Moving from New York?
EPIC and your plans.
Your moving window
When it starts and ends.
What happens to my Medicare?
Each kind of coverage.
Sources
- New Jersey Division of Aging Services — Pharmaceutical Assistance to the Aged & Disabled (PAAD)
- New Jersey Division of Aging Services — Important Information Regarding the PAAD, Lifeline, HAAAD and Senior Gold Programs
- Medicare.gov — Special Enrollment Periods (moves and SPAP loss)
- Medicare.gov — Choosing a Medigap Policy (March 2026)
- Florida Statutes — s. 627.6741, Medicare supplement issuance
- CMS — CY2027 Medicare Advantage and Part D Landscape files (Florida: PDP Region 11)
More questions in this guide
- What happens to my Medicare Platino plan if I move from Puerto Rico to Florida?
- Moving from New York to Florida: what happens to my Medicare?
- I'm moving from Puerto Rico to Florida. Do I need to sign up for Medicare Part B?
- Moving to Florida from Ohio, Michigan or Illinois: what happens to my Medicare?
- Do I get a special enrollment period when I move to Florida?
- What happens to my Medicare if I move to Florida?
Part of the guide: Moving to Florida with Medicare · All questions
Frequently asked questions
Does PAAD pay for a Florida Part D plan?
No. New Jersey's Division of Aging Services says you lose PAAD and Senior Gold if you establish residency outside New Jersey. In Florida, your help with drug costs comes from your Part D plan and, if you qualify, federal Extra Help.
Will my New Jersey Medigap policy work in Florida?
Usually yes, as long as you keep Original Medicare: Medigap pays its share with any provider in the U.S. who accepts Medicare. Ask your company whether the move changes your premium.
When do I have to pick my Florida drug plan?
In your moving window: from the month before you move (if you tell your plan first) to 2 full months after the move. Losing PAAD or Senior Gold also gives you a window. Avoid going 63 days or more without creditable drug coverage.
Medicare in your Florida county
Plans, local agents and help, county by county: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee · Polk · Pasco · Brevard · Volusia · Seminole · Sarasota · Osceola · Manatee · Lake · Marion · Collier · St. Lucie · All 67 counties →
