Changing Your Medicare Supplement Plan

“When can I change my Medicare Supplement Plan?” the answer is anytime you want. Watch this Medigap Monday video for Robert Bache’s answer to the question: when can you shop your Medigap Plan?

When can I enroll in Medicare Supplement?

If you have Original Medicare Part A and Part B, you can purchase a Medicare Supplement Plan. You can enroll in a Medicare Medigap Plan during Medicare Open Enrollment, also called Annual Open Enrollment.

Annual Enrollment Period

Medicare Annual Enrollment period is the same every year. The next annual enrollment period is October 15, 2021, to December 7, 2021. During this period, you can change from any Medicare Plan to a different plan. For example, you can change from Medicare Advantage to Original Medicare, Part A and Part B to become eligible for a Medicare Supplement. You can also change your Medicare Part D Plans.

Best Time to Enroll in Medigap Plan

The best time to enroll in a Medicare Supplement Plan is during your initial Open Enrollment Period. This period includes three months before you turn 65, the month you turn 65, and 3 months after you turn 65. The reason this is the best time to enroll in Medigap Plan is you have guarantee issue rights. In other words, the Medicare supplement company can not medically disqualify you because there is no medical underwriting during your initial enrollment period. 

When you enroll outside of your initial Open Enrollment Period, a Medicare supplement company could decline your application based on your medical conditions and underwriting guidelines. Discover answers to the following Medicare Supplement Insurance Underwriting questions:

  • When is Medigap insurance underwriting required?
  • Which states have a birthday rule that allows you to shop Medigap Plans within 30 days of your birthday month with no underwriting?
  • What underwriting questions will supplement companies ask?

Finding the Right Medigap Company

Medicare Supplement Insurance Companies have different underwriting guidelines. Consequently, you may have a better chance of qualifying with some companies rather than others. The licensed agents at Senior Healthcare Direct will ask you underwriting questions and help you find a Medigap Plan with a carrier who can accept your medical conditions. Moreover, we can compare many insurance carriers, so you get the best price. To get started, call us at 1-855-368-4717 or get a quote.