……tips and information on Medicare for seniors that spend part of the year in Florida; our Florida Snowbirds
There are literally millions of Florida Snowbirds; people who come from all over the U.S. to spend the winter months in comfort of a warm Florida winter. At last count, there are nearly 1.5 million Snowbirds that live part of the year in Florida and Sunbirds that move north (back to a home state) in the summer. Palm Beach County was home (or half home) to 143,000 Florida Snowbirds and Jupiter, my home town, home to over 56,000.
Florida snowbirds are people who can live a life many others only wished, spending part of their time in a home state and moving to Florida in the winter to avoid the northern freezing temperatures and snow. South Florida has a sub-tropical climate where we can measure the cold moments in hours, not days. Central and Northern Florida are not as warm, but compared to New York, New Jersey, Pennsylvania, Virginia, Maryland, Indiana and other northern states, it’s a warm winter paradise.
Unfortunately, with two homes comes some confusion when it’s time to sign-up for Medicare. We hear the same very important questions time again; can I get Medicare from any state I live in? Does Medicare cover me in both states? If Medicare Supplements in one state are cheaper, can I purchase my supplement there and use it in Florida? How does Medicare Advantage work when you live in two states?
With this article I will answer those questions and more on Medicare for Florida Snowbirds. There are multiple features and rules with Medicare that are critically important to those who live the life of a seasonal nomad. Unfortunately, few agents and brokers have the experience of working with Snowbirds and I have seen and heard of incorrect information and advice that has caused harm to the people who look to an insurance professional for advice and guidance.