If your premiums have gone up or you do not like your Medicare Advantage plan, you should consider switching to a new Medigap plan.
If it is your first time in a Medicare Advantage plan, and it is within the first year of joining, you can generally* switch without having to worry about being excluded due to pre-existing health problems. You also have guaranteed issue rights* if the company you were covered with went out of business or stopped offering that plan.
Another opportunity to leave a Medicare Advantage Plan is through Medicare Advantage Disenrollment Periods. *This is a time when you can obtain a Supplement Plan if you are dissatisfied with an Advantage Plan.
In some states, you can change plans at certain times without going through underwriting.
California – Annual open enrollment period lasts only 60 days, beginning 30 days before and ending 30 days after your birthday. If you want to change your policy you can do so within 30 days following your birthday without being denied.
Connecticut – Year-round open enrollment.
Maine – Annual open enrollment period every June, for Plan A only. You may also change from one Medicare Supplement plan to another of equal or lesser benefits within 90 days.
Missouri – You can switch to the same plan with another company within 30 days of the annual policy anniversary date.
Washington – You can usually change from one plan to another.
Otherwise, your application will have to be approved by the insurance company. People with well-controlled diabetes or hypertension are usually accepted. But if you have any serious health problems, such as emphysema, AIDS, or osteoporosis with fractures, your application will be declined.
You can compare the different plans (plans F and N are the most popular), and you can compare rates between Mutual of Omaha, UnitedHealthcare, Anthem Blue Cross Blue Shield, and many other companies.
Give us a call at 800-913-3416, and one of our Personal Benefits Consultant can let you know what your options are, and help you get enrolled.
MediGap Advisors offers coverage from many insurance companies throughout the country. Simply use our Instant Quote System to immediately start comparing Medicare Supplement plans in your area.
Select your state below and click Continue to see rates and compare Medigap plans in your area.
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Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.