This article will explain what you better know to ensure that youll have adequate coverage in each location.

But what if you buy your own health insurance or are covered by Medicare or Medicaid?

The specifics vary depending on the coverage you have and where you live.

Health insurance can get a bit complicated if you divide your time between two or more states.

David Sacks / Getty Images

Having homes in two states isnt just reserved for retirees seeking beautiful weather.

In short,HMOs and EPOs dont cover non-emergency out-of-data pipe care, while PPOs do.

So what does that mean if you buy your own health insurance and live in more than one state?

But what constitutes a short duration"?

Medigap plans are sold based on where you live, with different health insurers offering plans in different states.

But when you’ve got the coverage, you might use it nationwide.

Original Medicare plus a Medigap plan will cover most costs, but not prescription drugs.

For that, you need a Medicare Part D prescription drug plan.

Some Part D plans have nationwide networks, while others have networks that are more localized.

Some Medicare beneficiaries have access to supplemental coverage from a current or former employer.

Depending on the plan, it may provide nationwide coverage or it may have a localized provider connection.

Talk with the Medicare Advantage insurer to see how youll be covered when youre outside of your home state.

Medicaid

AlthoughMedicaidis available in every state, its quite different from Medicare.

On the other hand, Medicaid is jointly run by the federal government and each state.

Emergency care is covered outside the state, just as it is with private plans.

Non-emergency care is generally not covered outside of the state that provides the Medicaid coverage.

This is the case in 10 states as of 2024.

These plans are less expensive than individualmajor medical coveragebecause theyre more limited.

However, they can provide additional peace of mind depending on the circumstances.

Centers for Medicare and Medicaid Services.Historic 21.3 million people choose ACA marketplace coverage.

KFF.As ACA marketplace enrollment reaches record high, fewer are buying individual market coverage elsewhere.

Centers for Medicare & Medicaid Services.No Surprises Act.

KFF.Medicare Advantage 2024 spotlight: first look.

Medicare Rights Center.Differences between Original Medicare and Medicare Advantage.

Q1Medicare.com.I travel between two states throughout the year (Connecticut and Florida).

Is there a Medicare Advantage plan that can provide coverage in both states without additional cost?

Center on Budget and Policy Priorities.Policy basics: introduction to Medicaid.

IHC Specialty Benefits.Can I use my Medicaid coverage in any state?.

KFF.The coverage gap: uninsured poor adults in states that do not expand Medicaid.

KFF.Status of state action on the Medicaid expansion decision.

KFF.Status of state Medicaid expansion decisions: interactive map.

IHC Specialty Benefits.What is travel insurance?

IHC Specialty Benefits.Dont forget to pack travel health insurance.

Centers for Medicare & Medicaid Services.Moving to a new state?

Youll need a new health plan.

American Council on Aging.Maintaining Medicaid Coverage When Moving Between U.S. States.