Medicare Advice Center

Q. Can I change plans if I don't like the one I selected?

The Short Answer

If you purchased a Medicare supplement insurance plan, you can apply for a different Medicare supplement insurance plan at any time, but you may be denied coverage due to health conditions. You may also apply for a Medicare Advantage plan during the Annual Enrollment Period from October 15-December 7 of each year. You cannot be denied this coverage, and it will be effective the following January 1.

If you purchased a Medicare Advantage plan, you can apply for a Medicare supplement insurance plan at any time, but you may be denied coverage due to health conditions. You may also apply for a Medicare Advantage plan during the Annual Enrollment Period from October 15-December 7 of each year. You cannot be denied this coverage, and it will be effective the following January 1.

Part D plans are a little unique. You can enroll in any Part D plan at any point during the Annual Enrollment Period from October 15-December 7 of each year. However, many Medicare Advantage plans include Part D coverage. If you are switching from Medicare Advantage to Medicare supplement insurance, be sure to also purchase Part D coverage. If you are switching from Medicare supplement insurance with a separate Part D plan, you might be able to switch to a Medicare Advantage plan that includes Part D coverage. If this is the case, you would not need your separate Part D plan. With Part D, it is important to always have a Part D plan or creditable coverage in force.

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