Medicare Is Federal. Your Plan Options Are Local.
Medicare is a federal program, which means the core benefits are the same nationwide.
But the private plans available to you — including Medicare Advantage, Part D, and Medicare Supplement pricing — are determined by where you live.
Understanding how geography affects your options is essential.
Or explore your state below.
What Stays the Same Nationwide
Original Medicare (Part A and Part B) is administered by the federal government.
No matter which state you live in:
- Your Part A hospital coverage is standardized
- Your Part B medical coverage is standardized
- Medicare eligibility rules are federal
- Enrollment periods are federally regulated
That foundation does not change.
What Changes Based on Where You Live
While Medicare itself is federal, private plan options vary by geography.
These include:
- Available carriers differ by county
- Provider networks are local
- Premiums and benefits vary by ZIP code
- Some plans offer Part B giveback in select areas
- Formularies vary
- Pharmacy pricing differs
- Plan availability depends on region
- Plan letters are standardized (A, G, N, etc.)
- But pricing varies by state and carrier
- Underwriting rules may differ
- Some states have unique regulations
Your ZIP code directly affects which options are available to you.
Why Geography Should Be Reviewed Carefully
Choosing a plan without reviewing local availability can result in:
- Limited provider access
- Higher prescription costs
- Reduced network coverage
- Missed plan options — including Part B giveback plans
Two people in neighboring counties can have completely different plan options.
That’s why we review coverage based on your specific ZIP code.
Schedule Your Free Medicare ReviewWhat Happens If You Move?
If you move to a different state or even a different county:
Medicare Advantage plans may change
Provider networks may change
Part D plans may change
You may qualify for a Special Enrollment Period
Medicare Supplement plans are portable nationwide, but pricing and underwriting rules can vary by state.
If you’re planning a move, it’s important to review your coverage before relocating.
Medicare Options in Your State
Select your state below to learn more about plan availability and coverage options in your area:
Indiana
View Medicare Plans →
Florida
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Texas
View Medicare Plans →
Illinois
View Medicare Plans →
Don’t see your state? We help clients nationwide. Schedule a consultation to discuss your area.
How We Compare Plans in Your Area
We do more than list plans.
We:
Review plans available in your specific ZIP code
Compare carriers operating in your county
Verify provider network participation
Analyze prescription coverage
Explain trade-offs clearly
Medicare is federal — but your coverage decision is local.
Schedule Free Medicare ReviewNot Sure If Your Current Plan Fits Your Area?
Take one of our short quizzes to see where you stand.
➡ Take the Medicare Clarity QuizNew to Medicare? Take the Supplement vs Advantage Quiz instead.
Frequently Asked Questions
Is Medicare the same in every state?
Original Medicare is federal and standardized, but private plans like Advantage and Part D vary by location.
Do Medicare Advantage plans change by county?
Yes. Availability, networks, and benefits are determined at the county level.
Are Medicare Supplement plans different by state?
The plan letters are standardized, but pricing and underwriting rules can vary by state.
What happens to my plan if I move?
Moving may trigger a Special Enrollment Period and require plan changes. It’s important to review your options before or right after a move.
Will I face penalties if I miss an enrollment window during a move?
A move typically qualifies you for a Special Enrollment Period, but timing matters. Learn about late enrollment penalties and how to avoid them.
Related Medicare Resources
Turning 65
First-time enrollment guide and timeline.
Annual Review
Yearly plan checkup to keep costs low.
Common Mistakes
Costly errors that follow you for decades.
Part B Enrollment
Timing rules and employer exceptions.
Switch Your Plan
When and how to change coverage.
Medicare Glossary
Every term explained in plain language.
Ready to Compare Medicare Plans in Your Area?
Book a free Medicare review and see what’s available in your ZIP code.
Licensed independent Medicare advisor. Reviews provided at no cost to you.