Can I change my Supplemental/Medigap plan at any time?
Yes, you can change your Medigap plan anytime, but depending on your state, you might have to go through medical underwriting.
California has a birthday rule, which gives you 60 days after your birthday each year to switch to a plan with equal or lesser benefits—no health questions asked.
New York lets you switch anytime with no underwriting, so you’re always guaranteed coverage.
If you’re in another state, you might need to go through underwriting unless you qualify for a special exception. Always good to check before making a switch!
California has a birthday rule, which gives you 60 days after your birthday each year to switch to a plan with equal or lesser benefits—no health questions asked.
New York lets you switch anytime with no underwriting, so you’re always guaranteed coverage.
If you’re in another state, you might need to go through underwriting unless you qualify for a special exception. Always good to check before making a switch!
Answered by Abbie Choate on March 4, 2025
Broker Licensed in CA & NY
You may change your supplemental/medigap plan, 12 months out of the year. You are not bound by the Annual Enrollment Period in the fall, if you’re looking to move from one supplemental plan to another, for example moving from an Aetna G Plan to a Cigna G Plan.
Answered by John Billetdoux on February 11, 2025
Broker Licensed in NJ, DE, FL, NC, PA & SC
Tags: Medicare Supplement