Medicare Advantage and Medicare Part D have annual election open-enrollment each year between Oct. 15 and Dec. 7th where you can seamlessly switch from one plan to another. Medicare Supplement (Medigap) plans, on the other hand, do not have an annual switching period. You may have been told that switching Medigap is difficult. While this can be true, here is all the information you need to switch plans when you’re over 65 and no longer in your Medigap initial enrollment period.
Everyone Can Switch Medigap Plans By Answering Medical Questions
Whether you want to switch from Medigap plan F to plan G or you just want to work with a different insurance company, you can do so at any time by submitting a new application. In most states, you will have to answer medical questions and could be turned down for pre-existing conditions. In some cases, you can be charged more if you switch after your initial enrollment period. We have learned by experience that some insurance companies ask fewer medical questions and have easier standards for approval than others. If you don’t fall under one of the states that offer guaranteed switching period (see below), call us at 800-930-7956. We can match you with the best Medigap insurance company based on your current health status. We have had great success in this arena.
Some States Allow Switching Without Medical Questions
Lucky you if you live in one of the states listed below. These states have laws that will allow you to switch from one Medigap plan to another without answering medical questions. Even if you move to a new insurance company, you will be approved without medical review. See below for each state’s rules:
- California and Oregon have the Medigap Birthday Rule. If you are currently enrolled in a Medigap plan, you can change each year during your birth month with no medical questions asked. Learn more about the Birthday Rule here. Compare CA Medigap prices here.
- Connecticut and New York have guaranteed issuance for all at anytime. Learn more about CT’s and NY’s 100% guaranteed issuance here. Compare CT & NY Medigap prices here
- Missouri has the Medigap Anniversary Rule. This allows you to switch during the anniversary date of when you first signed up. Learn more about MO’s MO Anniversary Rule here. Compare MO Medigap prices here
Special Circumstances Equals Free Switching
All states have Medigap guaranteed issuance rules for certain circumstances after 65. Moving out of state, for example, would trigger a special enrollment period where you would be guaranteed to be approved without medical review. Learn more about Special Enrollment Options here
Looking to Switch from Medicare Advantage to Medigap?
You can do that as well but you have to do it at the right time. Read our article Can I Switch From Medicare Advantage to Medigap? to learn all about how it works.