How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Megan C Your Own Question

Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 14134
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
23669918
Type Your Social Security Question Here...
Megan C is online now
A new question is answered every 9 seconds

I have been living in North Dakota for the last 7 years. I

Resolved Question:

I have been living in North Dakota for the last 7 years. I am thinking of moving to California, at least for 7 months of the year (the rest back in Dakota) but it looks as if I might lose my Blue Cross/Blue Shield coverage because this seems to cover one if one resides in about 7 of the midwestern states.

My question is, if I did move at age 70, do I risk being kicked out of the medicare coverage system? Can any insurer in California say to me, "well, we are required to offer you coverage within the 6 months window of your turning 65 but not after that".

My second question is that the North Dakota coverage is its most expensive product that covers me anywhere in the world. But is that coverage predicated on my being a resident in the State of North Dakota?
Submitted: 12 months ago.
Category: Social Security
Expert:  Megan C replied 12 months ago.

Megan C :

I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.

Megan C :

How are you today?

Megan C :

You will never be kicked out of the Medicare system based on where you live.

Megan C :

Medicare covers you anywhere in the United States. It is funded by the federal government.

Megan C :

An insurer cannot refuse to give you coverage ... even if it's after you are 65. If you are covered by other insurance and simply need to change plans, you won't be refused for that.

Megan C :

When you can be refused is if you never had any insurance and then all of a sudden want it.

Customer:

My wife and I have bought a small house in Palm Springs. We mistakenly asked for a redirect of our mail from North Dakota and Social Security in ND was notified and they sent out a notice indicating I had to notify them of a change of address. We then rescinded the change of address notice as this seemed to initiate a burearcratic response that just seemed too much. If you can be a bit more precise I appreciate it. If we were to move our address to California does that change anything? Do I then have to notify ND Blue Cross and move it to California Blue Shield? (They are not the same companies and I am told that one should go with Aetna.

Megan C :

If you move your address to California, it would change which Medicare Advantage plans are available to you, but you would not lose Medicare coverage.

Megan C :

So, if you are now California residents, you would need a Medicare advantage plan that is offered to California residents.

Customer:

Thank you.

Megan C :

You're welcome.

Customer:

We have not decided if we are going to become California residents or not.

Megan C :

California is an expensive state to be a resident of.

Customer:

Sorry, for some reason the reply keep sending after I finish a sentence. We have reverted to our ND address as we will try not to become Cal residents. we have to make a decision we know in the not too distant future but we may become snow birds and be in palm springs 5 months of the year. i presume if we do that then everything can remain as is. is that correct

Megan C :

Yes, that would be correct. If you are only in California for 5 months of the year, you would be ND residents for purposes of your insurance, etc

Customer:

thank you megan. that is helpful.

Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 14134
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Megan C and 2 other Social Security Specialists are ready to help you
Expert:  Megan C replied 12 months ago.
Christopher,

Thank you so much for your positive rating. Please come back and visit me any time you have a tax, finance, or social security question. It was a pleasure working with you today.

In the future you may receive a short survey. Positive feedback on that survey is greatly appreciated, as it will assist me with rankings on the site. Thanks again for being a valued JustAnswer.com customer.

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
< Last | Next >
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
  • I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight. Bonnie Chesnee, SC
  • Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation. John Minneapolis, MN
  • Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. Orville Hesperia, California
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
 
 
 

Meet The Experts:

 
 
 
  • dylatess

    ATTORNEY

    Satisfied Customers:

    3086
    35 plus years of SSD practice
< Last | Next >
  • http://ww2.justanswer.com/uploads/DY/Dylatess/2012-9-11_1968_BHBTemplePhoto.64x64.jpg dylatess's Avatar

    dylatess

    ATTORNEY

    Satisfied Customers:

    3086
    35 plus years of SSD practice
  • http://ww2.justanswer.com/uploads/MY/MyVirtualCPA/2012-7-5_44024_cookmegan1.64x64.jpg Megan C's Avatar

    Megan C

    Certified Public Accountant (CPA)

    Satisfied Customers:

    3247
    Licensed CPA, CMA, CFE M.Accy Also Teach Accounting courses at Master's Level
  • http://ww2.justanswer.com/uploads/LA/LawTalk/2012-6-6_17379_LawTalk.64x64.JPG LawTalk's Avatar

    LawTalk

    Attorney

    Satisfied Customers:

    1138
    I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
  • http://ww2.justanswer.com/uploads/FA/fastfile/2011-12-15_23139_Klein2011small.64x64.jpg R. Klein, EA's Avatar

    R. Klein, EA

    Accountant

    Satisfied Customers:

    254
    Tax matters relating to Social Security Benefits only
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    188
    Licensed in multiple jurisdictions, experienced business attorney.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    137
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/CU/Cuttinggirl/2011-10-29_03719_wcrop2.64x64.jpg Wendy Reed's Avatar

    Wendy Reed

    Enrolled Agent

    Satisfied Customers:

    83
    15+ years assisting tax clients with taxation and eligibility of Social Security Benefits.
 
 
 

Related Social Security Questions