FAQ Friday: Medically Qualifying to Change Plans

If you are wanting to upgrade from a Medicare Advantage Plan to a Medicare Supplement or if you are switching from one Medicare Supplement Plan to another Medicare Supplement Plan, you will have to medically qualify to change.

In most states, if you have a Medicare Advantage Plan (HMO or PPO) and you would like to upgrade to a Medicare Supplement Plan, every carrier has a set of health questions that you will have to answer. This is known as underwriting. If you can not pass underwriting, you will not be able to upgrade.

The same rule applies if you are switching from one Medicare Supplement Plan to another. For example, if you have a Medicare Supplement Plan F and are wanting to switch to the Medicare Supplement Plan G in order to save money on your coverage, you will be subjected to medical underwriting.