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Medicare Supplement

When Can I Change My Medicare Supplement Plan

January 1, 2025 · Sure Health Choice

You can technically apply to switch at any point. However, changing your Medicare Supplement plan might involve more scrutiny. Insurers could deny coverage based on your health history, charge higher premiums for pre-existing conditions, or impose waiting periods.

There are special cases — usually within 63 days — when insurers must accept your application:

• You’re in your Medigap Open Enrollment Period (first 6 months of Part B at 65).

• Your Medicare Advantage plan is ending, leaving your area, or you’re moving back to Original Medicare.

• You’ve lost other coverage, like a retiree or employer plan.

• Your Medigap company misled you or went bankrupt.

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