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 York Medicare Advantage plan | Ends; it doesn't serve Florida counties. |
| New York standalone Part D plan | Ends; Florida is its own Part D region (Region 11). |
| EPIC | Requires New York residency. Tell EPIC your new address. |
| New York Medicaid or Medicare Savings Program | Doesn't transfer. Apply in Florida through ACCESS Florida. |
EPIC and your drugs in Florida
New York's Department of Health says EPIC members must be New York residents, meaning their permanent home, "not a summer or winter home," is in New York, and must tell EPIC when they change address. Florida doesn't have a state drug-assistance program for seniors, so in Florida your help with drug costs comes from your Part D plan and, if your income and assets qualify, federal Extra Help.
Losing a state pharmaceutical assistance program like EPIC opens its own 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. Your moving window also applies. For 2027, CMS lists 11 standalone Part D plans from 6 companies in Florida.
Medigap after leaving New York
Keeping your current policy is usually the simplest choice. Buying a new policy in Florida is different: Florida has no birthday rule or yearly right to switch, and a switching right that comes 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.
Spending winters in Florida but keeping New York as home? See snowbirds and Medicare. Ready 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 Jersey?
PAAD, Senior Gold and your plans.
Your moving window
When it starts and ends.
What happens to my Medicare?
Each kind of coverage.
Sources
- New York State Department of Health — EPIC Eligibility Requirements
- 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)
- Social Security — my Social Security
More questions in this guide
- What happens to my Medicare Platino plan if I move from Puerto Rico to Florida?
- Moving from New Jersey 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
Can I keep EPIC if I only spend winters in Florida?
EPIC looks at your permanent home: New York's Department of Health says it must be in New York, not a summer or winter home. If New York stays your permanent home, check with EPIC. If Florida becomes it, you no longer meet EPIC's residency rule.
Will my New York 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.
Do I need a Florida Part D plan?
Yes, if you had a standalone New York drug plan. Florida is its own Part D region, so choose a Florida plan in your moving window and avoid a gap of 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 →
