Connecticut is one of the few guaranteed-issued states that allows enrollees to switch their Medicare Supplement (Medigap) plan whenever they want. In most states, you need to go through medical underwriting and answer health questions before you are approved to switch to a new Medigap plan.
How are Connecticut’s Medigap switching rules different?
Individual Medigap plans in CT have guaranteed issuance to seniors at any time. On top of these, rates cannot be varied based upon an applicant’s age, gender, or health status. However, preexisting conditions may not be covered for the first six months.
Some other states like Maine have a similar rule, but you can only switch to a plan with equal or fewer benefits. Fortunately, that is not the case in Connecticut, where you can switch from any Medigap to any other Medigap. For example, you could leave Plan G for Plan F or the other way around.
Steps to switch Medigap plans in Maine
Step 1
Get an instant Medigap quote to see if there are less expensive plans available in your area.
Step 2
Apply online for a less expensive Medigap plan. If you do not want to apply online, you can call the team at Senior65.com at 800-930-7956 and we can help you enroll right over the phone. Your new start date should be the first of the month following your application date.
Step 3
Wait to cancel your current Medigap plan until you have been officially processed on your new plan.
That’s all. As you can see, it is very simple to switch Medigap plans in Connecticut.