When can i change my medicare supplemental insurance plan

You can, but generally only under special circumstances that qualify you for a Special Enrollment Period (SEP). These circumstances include (but are not limited to) moving to a new location that is outside of your current plan’s service area or where additional plan options are available, moving back into the U.S. after living abroad, moving into or out of a facility, or if Medicare terminates your current Medicare Advantage plan. You can learn about all of the situations that qualify for a Special Enrollment Period at the Medicare website “Special circumstances (Special Enrollment Periods).”

Some beneficiaries can change coverage on a quarterly basis. This includes enrollees who receive assistance from Medicaid and enrollees who receive Extra Help paying their Medicare drug plan premiums and cost sharing, who can switch Part D plans or Medicare Advantage plans once per calendar quarter in the first three quarters of the year, and during the Medicare Open Enrollment period that runs from October 15 through December 7 each year. Some beneficiaries can change coverage from month to month. This includes beneficiaries in certain institutions, such as nursing homes, who can switch Medicare Advantage or Part D plans once a month for as long as they are living there.

If you are currently enrolled in a Medicare Advantage plan and would like to switch to traditional Medicare, or switch to another Medicare Advantage plan, you may do so during the Medicare Open Enrollment period, which runs from October 15 through December 7 each year, or during the second Open Enrollment Period just for people in Medicare Advantage plans (the Medicare Advantage Open Enrollment period), which runs from January 1 through March 31. If you are in traditional Medicare, you can switch Part D plans or switch to a Medicare Advantage plan during the Medicare Open Enrollment period that runs from October 15 through December 7; you cannot use the Medicare Advantage Open Enrollment period (from January 1 to March 31) unless you are enrolled in a Medicare Advantage plan before January 1.

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What You Need to Know Before You Change Your Medigap Plan

• November 22, 2021
• Reviewed by John Krahnert

You can change your Medigap plan any time, but you may have to go through medical underwriting unless you have a guaranteed issue right, depending on what state you live in. Learn about switching Medigap plans with the help of a licensed insurance agent.

You can change your Medicare Supplement Insurance (Medigap) plan anytime, but there are a few things you should know before you do so.

You can enroll in a Medigap plan during your Medigap Open Enrollment Period. If you apply for or change Medigap plans outside of your Medigap OEP, you may have to go through medical underwriting unless you qualify for a Medicare guaranteed issue right, depending on what state you live in.

Can I change Medigap plans during open enrollment?

One of the best times to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which is a six-month period that starts when you are at least 65 years old and enrolled in Medicare Part B.

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This is not to be confused with the Medicare Annual Enrollment Period (AEP), which runs from October 15 to December 7 every year.

• During the Medicare AEP, you can enroll in, change, or drop your Medicare Part D prescription drug plan or your Medicare Advantage (Part C) plan.

AEP does not apply specifically to Medicare Supplement Insurance plans.

Learn more about the different Medicare enrollment periods and how they can affect your coverage.

What is the six month Medigap Open Enrollment Period?

During your Medigap Open Enrollment Period, you can sign up for or change Medigap plans without going through medical underwriting. This means that insurance companies cannot deny you coverage or charge you more for a policy based on your health or pre-existing conditions.

If your Medigap Open Enrollment Period has passed, you may still be able to apply for or change your Medigap plan without medical underwriting if you qualify for a Medigap guaranteed issue right.

What is a guaranteed issue right?

There are certain situations in which you can change Medigap plans or purchase a new Medigap plan without being subject to medical underwriting. These situations are called guaranteed issue rights.

You may qualify for a Medigap guaranteed issue right any time of year if you fit one of the following descriptions:

• You currently have a Medicare Advantage plan that is leaving Medicare or ending coverage in your area.
• You have a Medicare Advantage plan, and you are moving out of the plan's service area.
• You have Medicare Part A and Part B (Original Medicare), and you need to replace an employer health plan that will soon be discontinued.
• You have Original Medicare and a Medicare SELECT policy, and you move out of the policy's service area.
• You joined a Medicare Advantage plan or a Program of All-Inclusive Care for the Elderly (PACE) when you were first eligible for Medicare Part A at 65, and within the first year of joining you want to switch to Original Medicare.
• You dropped a Medigap policy to join a Medicare Advantage plan for the first time, and within the first year of joining you want to switch back to Medigap.
• Your Medigap insurance company goes bankrupt or ends your policy through no fault of your own.
• You leave a Medicare Advantage plan or Medigap policy because the company misled you or did not follow federal Medicare rules.

Visit MedicareSupplement.com to find out if you qualify for a guaranteed issue right and compare Medigap plans in your area.

Switching Plans Outside of Your Medigap Open Enrollment Period Without a Guaranteed Issue Right

If you don’t qualify for a guaranteed issue right and want to switch your Medigap plan outside of your initial Medigap Open Enrollment Period, your application may include medical underwriting.

If you have pre-existing conditions or health conditions that have developed after you purchased your current Medigap policy, your new plan could have higher premiums than your current plan. Or the insurance carrier who sells the new plan you want could deny you coverage.

Consult with a licensed insurance agent to discuss your options.

What is a Medicare Supplement free look period?

When you switch from one Medigap plan to another, you may be given 30 days to decide if you wish to keep your new plan. This is called a Medigap free look period.

If you change Medigap plans, don’t cancel your original Medigap plan until you’ve decided to keep your new plan. You’ll have to pay the premiums for both plans for one month, but if you want to change back to your original Medigap plan, you will still be able to do so.

How can I switch do a different Medigap policy?

Changing Medigap plans can be simple with the help of a licensed insurance agent.

• You can visit MedicareSupplement.com and request to speak to a licensed agent. If you know which Medigap plan you want, the agent can guide you through the application process. If you are unsure about which Medigap plan you want, an agent can help you review the available options in your area.
• If you’re accepted into a new Medigap plan and wish to keep it (and if you’re currently enrolled in a different Medigap plan), contact the company who issued your original Medigap plan and cancel it in writing. Your insurance company cannot cancel the plan for you. Again, a licensed insurance agent can help you with this.

Remember that if you move to another state, you are allowed to keep your existing Medigap policy, even if that plan is not sold in your new state. However, your new state may offer a different selection of Medigap plans with costs that may be more beneficial to you.

If you move, contact a licensed insurance agent to learn about the plan options available in your new location.

Learn about Medicare Supplement plans available where you live.

Speak with a licensed insurance agent

1-862-286-9564 | TTY 711, 24/7

About the author

Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at .

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