When Can You Change Your Medicare Supplement Plan?
Apply to switch Medigap coverage any time — but timing affects your options.
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.
When You Have Guaranteed Issue Rights
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.
Steps To Safely Switch Plans
1. Apply for the new plan first — don’t cancel your current one until approved.
2. Wait for confirmation, then set your start date.
3. Cancel your old plan in writing to avoid double bills.
When To Consider Switching
• You want lower premiums.
• You’re paying for extras you don’t use.
• You moved to a state with different plan costs.
• Your health or finances have changed.
Why It Matters
Whether you’re wondering “how do I change my Medicare Supplement plan?,” “can you change your Medicare Supplement plan?,” or “can you switch Medicare Supplement plans easily?,” the answer is yes — but with caution. Approval isn’t guaranteed unless you’re in a protected switch.
