Relocating to a new state can be exciting, but if you rely on Medicaid for your healthcare, the process requires careful planning. Medicaid is a state-administered program, meaning benefits cannot be transferred directly from one state to another. Maintaining Medicaid when you move is essential for those who rely on that extra assistance. However, with preparation, you can make the move without losing coverage.
Understanding How Medicaid Works
While the federal government sets the foundation for Medicaid, each state runs its own program with unique eligibility rules, income limits, and coverage options. Because of this, Medicaid benefits do not automatically carry over when you move. You must close your case in your current state and reapply in your new one.
The good news: there are no residency waiting periods to apply. Once you’ve established your new address, you can submit your Medicaid application right away. In some states, nursing home residents must meet a short length-of-stay requirement (for example, 30 days) before applying for long-term care Medicaid.
Avoiding Gaps in Coverage
Many people worry about a lapse in care when switching states. While coverage in your old state ends once you move, most states offer Retroactive Medicaid; up to three months of backdated coverage for eligible medical expenses before your application month. This helps bridge the gap while your new application is being processed.
Watch a YouTube video on OEP, SEPs and Late Part B Enrollments
How State Rules Differ
Although income and asset limits vary by state, the differences are usually not drastic. If you qualify in one state, you’ll likely qualify in another. However, there are exceptions. For instance, in 2025:
- New York allows a single Medicaid (age 65+ or disabled) applicant up to $32,396 in countable assets.
- Florida limits countable assets to $2,000 for long-term care Medicaid.
- California has no asset limit for Medicaid (Medi-Cal).
If your new state has stricter limits, you may need to spend down or restructure assets to regain eligibility.
Beyond finances, states also define medical need differently. Each sets its own criteria for a “nursing home level of care.” One state might require help with two daily living activities, while another requires three. If your new state’s requirements are stricter, you may no longer meet the functional criteria.
Steps for a Smooth Transition
- Research Early: Contact the Medicaid office in your new state before moving. Learn about income limits, medical requirements, and available programs.
- Gather Documentation: You’ll need proof of residency, income, and identity to apply.
- Time Your Move: Consider moving near the end of the month so your old coverage ends as your new one begins.
- Get a Functional Assessment: If you need long-term care, have your care level assessed before canceling your old Medicaid.
- Seek Professional Help: A Certified Medicaid Planner can guide you through financial restructuring and application preparation.
Click here for help finding a certified Medicaid planner
Medicaid isn’t portable between states, but with smart timing and preparation, you can relocate without losing essential healthcare benefits. Close your old case properly, apply quickly in your new state, and stay informed about eligibility differences. Working with a Medicaid planning professional can make the transition smoother and protect your coverage during your move.
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