David Mahato

Original Medicare usually stayed with retirees anywhere in the US, but they still needed to confirm nearby doctors accepted Medicare assignment in the new area.
Medigap coverage could sometimes move too, but premiums varied by location and some plans were unavailable after a move to another state.
Medicare Advantage plans were tied to service areas. Moving outside one triggered a Special Enrollment Period, with 2 mo to pick a new plan.
Without timely action after leaving a Medicare Advantage service area, retirees could be returned automatically to Original Medicare, which might exclude prescription drug coverage.
Part D drug plans were also regional, so moving required enrolling in a new local plan during a Special Enrollment Period to avoid coverage gaps.
Before moving, retirees were advised to update addresses, compare local plans, ask insurers about Medigap changes, and verify doctors were in-network.
I would tell retirees that moving can be exciting, but Medicare choices nee

Retirement Move? Protect Medicare Coverage First

Insurance firms faced rising volatility from extreme weather, economic swings, and global disruptions, pushing stronger risk prediction, pricing discipline, and broader geographic diversification.
In 2025, insured catastrophe losses topped $100B, mostly in the US, driving heavier use of advanced analytics and climate tools.
Reinsurance conditions began easing after a tougher period, giving insurers more stable capacity and potentially better pricing for their own risk coverage.
Customer expectations kept shifting toward speed, personalization, transparency, and digital access, making simpler service, faster claims handling, and easier policy management bigger competitive differentiators.
AI moved beyond pilots into broader insurance operations, supporting fraud detection, underwriting help, customer service, and more tailored products, but only with strong data foundations.
Legacy systems remained a major constraint, so insurers needed cleaner integrated data, middle-office automa