If you’re all-in-one Medicare plan depends on locations, it’s because you’re looking at a Medicare Advantage plan. Advantage plans are dependent on your location, they are as granular as your city. They won’t travel with you, so if you want to see a doctor outside your city, the Advantage plan may include that doctor in your plan’s network. When you build your own all-in-one plan with a Medigap plan, your location doesn’t matter in regards to the coverage. The only reason your location matters is because that’s a factor used to determine your monthly premium.