Your plan
Identify the kind of coverage you have.
Changing your plan
Life changes.
So can your needs.
See when—and how—you can revisit your coverage.
A little clarity. More room for life.At a glance
Start with these three things.
Your window
Confirm when changes are allowed.
Your next step
Check new coverage before ending the old.
Your questions, unpacked
Changing your plan: your questions, answered.
01Start with the kind of coverage
Medicare Advantage and prescription drug plans have enrollment periods that govern when you can make changes. Certain life events may create a Special Enrollment Period.
Check the rules for the change you want to make. A window that allows one kind of change may not allow another.
02Treat Medigap as a separate question
Medigap has its own enrollment protections. Outside your Medigap Open Enrollment Period or an applicable guaranteed issue right, your ability to buy a policy and its price may depend on underwriting and state rules.
The annual Medicare plan enrollment period does not automatically guarantee acceptance into a Medigap policy.
03Compare before making the move
Check your doctors, prescriptions, costs, and any care already underway. Then confirm when the new coverage begins and how the old coverage ends.
A review may confirm that your current coverage remains suitable. The purpose is to understand your choices, not to change plans for its own sake.
Sources & further reading
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