If you have a Medicare Supplement (Medigap) plan, you may wonder: Can I change my plan anytime?
The short answer: Yes, you can apply to change your Medigap plan at any time. However, approval depends on several factors:
- Your health status (if underwriting applies).
- Whether you qualify for a Guaranteed Issue Right.
- State-specific rules that may allow easier switching.
This guide explains when and how you can change Medigap plans, the rules that apply, and how to get the best coverage for your needs.
Can I Change Medicare Supplement Plans Anytime?
You can apply to switch Medigap plans any time of the year. However, your ability to get approved or avoid higher premiums depends on:
- Your health (if underwriting applies).
- Guaranteed Issue Rights.
- State-specific protections.
Let’s break down the best times to switch Medigap plans and what to consider.
Reasons People Change Medicare Supplement Plans
- Lowering costs by switching to a plan with a lower premium.
- Changing coverage to match evolving healthcare needs.
- Moving to a new state where different Medigap plans are available.
- Experiencing poor service or finding better options elsewhere.
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When You Can Change Medicare Supplement Plans Without Underwriting
1. During Your Medigap Open Enrollment Period (OEP)
The Medigap Open Enrollment Period is a one-time, six-month window that starts when you are:
- 65 or older.
- Enrolled in Medicare Part B.
During this time:
- You can buy any Medigap plan without medical underwriting.
- Insurers cannot deny you coverage based on preexisting conditions.
2. If You Have a Guaranteed Issue Right
Guaranteed Issue Rights let you switch plans without medical underwriting in certain situations:
- Your current Medigap insurer goes bankrupt or stops offering coverage.
- You leave a Medicare Advantage plan within the first 12 months.
- You move to a new area where your Medigap plan isn’t available.
- You lose employer-sponsored retiree coverage.
Read our full guide on Guaranteed Issue Rights to learn more.
Switching Medigap Plans Outside of Special Periods
If you’re outside OEP and don’t have a Guaranteed Issue Right, you can still apply to switch plans, but:
- Medical underwriting may apply—insurers can deny coverage.
- Premiums may be higher if you have preexisting conditions.
- Waiting periods may apply for certain health conditions.
State-Specific Rules for Changing Medigap Plans
Some states offer extra protections that make switching easier:
- California & Oregon: The “Birthday Rule” allows you to switch to a similar or lower-benefit plan once per year.
- Missouri: The “Anniversary Rule” provides a 30-day window to switch around your policy’s renewal date.
- Maine: Insurers must accept Medigap applications year-round but can charge higher premiums.
Steps to Change Your Medicare Supplement Plan
- Step 1: Compare Plans & Pricing – Use [medigap_plans] to explore your options.
- Step 2: Apply for the New Medigap Plan – If underwriting applies, answer health questions.
- Step 3: Wait for Approval – Do not cancel your old plan until the new plan is approved.
- Step 4: Cancel Your Old Plan – Once your new coverage starts, contact your insurer to cancel your old policy.
Frequently Asked Questions (FAQ)
Q1: Can I switch Medicare Supplement plans if I have a preexisting condition?
Yes, but if you’re outside OEP or don’t have a Guaranteed Issue Right, medical underwriting may apply, which could result in higher premiums or denial.
Q2: What happens if I’m denied coverage when switching?
You can stay on your current plan or check state-specific rules—some states allow appeals or alternative options.
Q3: Can I switch from Plan F to Plan G?
Yes, but underwriting may apply. Many people switch from Plan F to Plan G to save money on premiums.
Q4: Does Medigap have an annual enrollment period like Medicare Advantage?
No. Medigap plans do not follow the Medicare Annual Enrollment Period (AEP). You can apply anytime, but underwriting applies.
Q5: What is the best time to switch Medigap plans?
The best time is during OEP (the first six months after enrolling in Part B) or if you have a Guaranteed Issue Right. Otherwise, you may face health screenings.
Conclusion
- You can apply to change Medigap plans anytime, but approval depends on your situation.
- If you’re in OEP or have a Guaranteed Issue Right, switching is easy.
- If medical underwriting applies, switching may be harder or more expensive.
- State laws can impact your ability to switch—check your options!
Need help switching Medigap plans? Get a free quote today!
Get a FREE Medicare Supplement Rate Comparison Report from Medicare.org.
Our report gives you the essential details you need to make an informed decision—no sales pressure, just transparent information.
Medicare.org is owned by Allstate but operates independently to provide unbiased rate information. We prioritize education, transparency, and your trust.