Do I have to answer health questions when switching from one Supplemental/Medigap plan to another

yes, you definitely will need to answer health questions.

Question

Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?

Shawn Brown · Accepted Answer

In most cases, yes, you will have to answer health questions when switching from one Supplemental/Medigap plan to another. However, there are certain situations where you may qualify for guaranteed issue rights, which means you can switch plans without having to answer medical questions or go through underwriting.

Guaranteed issue rights typically apply if you’re losing other coverage, moving out of your plan’s service area, or switching within your Medigap trial period, among other special circumstances. It’s always best to review your specific situation to determine whether you qualify for guaranteed issue or if underwriting will be required.

Gary Church · Answer

It depends on when you're planning to switch from one supplement to another. This varies by state. If you're in a state with a Birthday rule, you may have the opportunity to change your plan for the same or less, such as switching from Plan G to Plan G or choosing Plan N. Keep in mind that Medicare plans, such as Plan G & N, are standardized plans, which means the premiums you'll pay are the primary consideration.

Answered by Gary Church on July 22, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, do you have to answer health questions when switching from one Medigap plan, which is a supplemental Medicare insurance, to another? Here in Arizona, the answer is yes. Even if you're downgrading coverage, like if you want to move from Plan F to Plan G, which is always advisable, you have to go through underwriting and answer health questions. I have no idea why that is, but yes. The health questions are typically what they call an abbreviated underwriting, meaning have you been in the hospital in the last three months? Do you have any of these conditions that you're seeking treatment for, which are pretty significant? They're not talking about minor things here. But if you can answer those questions, typically you can go through underwriting and you could switch plans.

Mike Alexander · Answer

It depends on the state you live in, some states have GI rules and others require underwriting.
Check with your state Insurance Dept

Mark Bilgere · Answer

If you are outside of your Guarantee Issue period for your Medicare Supplement, then yes you will have to answer health questions to change Medicare Supplements. Your Guaranteed Issue period is the 6 months following the start of you Part B. During those 6 months, you are not required to answer any health questions.

Answered by Mark Bilgere on October 5, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Norman Smith · Answer

That would depend on when you are looking to switch over. 

If it's within your original O/E period, then the answer will be "no". Otherwise, even though you can change Supplement plans at any time during the year, not just during O/E, then "Yes" the newer Supplemental company will be asking health questions, as they are now assuming the risk.

Larry Dalton · Answer

You will most likely need to answer health questions, but certain events, such as the anniversary or birthday, rules, or other SEP qualifying events, can exempt you from these health questions. Again, a trustworthy agent can explain these to you, state-by-state, and events.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Christopher Boyd · Answer

In 2025, some states allow a "Birthday Rule" allowing seniors to change plan to plan at or around their birth month. For example, the senior may be able to change from Medicare Supplement Plan G with company A to Plan G with company B with no health questions during their birth month.

In other states where this provision does not exist, in most cases, a senior with chronic illnesses cannot switch to another Medicare Supplement plan or company without Underwriting (a.k.a. health questions) and some health conditions and/or prescriptions may prohibit the senior from changing plans.

Mark Maliwauki · Answer

Unless you have a guaranteed enrollment issue. Otherwise, yes, you will have to go through the underwriting questions.

Voss Speros · Answer

Voss Speros here, Greek God of Medicare, talking about Medicare today. The question is, do I have to answer questions when switching from one supplement Medigap plan to another? Yes or no? It depends on the situation. Most times, you have to go through underwriting. Annual enrollments at the end of the year, we just got out of. You’ve got to go through underwriting unless you have a guaranteed issue to change from one to another, or a birthday, or a special election period. If it's your birthday year, you can change without it. But most of the time, yes, you have to go through underwriting and answer health questions.

Supplement is not insurance; it's just coverage. It should cover the 20% Medicare doesn't cover. So it's not Medicare insurance; it's just trade insurance. They're picking up the responsibility for your 20% of your health care. So you are paying them a monthly premium to assume your health care risk. They're in insurance; they don't want to assume any risk if you're sick.

So if you're moving from one to another and you have to go through underwriting, make sure you're healthy doing it. All you're going to get rated. And if you get rated, maybe it's less than what you're currently paying, but it's worth looking into. So yes, most of the time, you're gonna have to answer questions. Hope that helps! If you have any questions, give us a call. Have a great day!

Pamela Masters · Answer

It depends on what you are changing from and what you switch to. It’s also dependent on the state rules in your state. There are several factors so it might be beneficial to either speak with the company you’re switching from and to it, talk to an agent in your area to get clarity

Answered by Pamela Masters on October 19, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Tony Capraro III · Answer

Yes-you are offered a Non-Medical Supplement/Medigap when you turn 65! Once enrolled in the plan and you want to switch--Most companies will require Health Questions to be answered!

Edward Smith, ChFC, CRPS, AIF · Answer

Yes, once your initial enrollment period is past you will have to go through underwriting. The only exception to this I know of is, if you enroll in a Medicare Advantage plan and then change your mind, you can change to a Medicare supplement within the first 12 months of enrolling in your Medicare Advantage plan. This is an SEP call Trial Right SEP.

Answered by Edward Smith, ChFC, CRPS, AIF on June 23, 2025

Broker Licensed in OH, GA, IN, KY & TN

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

Ray McCauley · Answer

not necessarily. It depends on the state that you live in and the time of year. Civil states have what’s called a birthday rule that allows you to change from one medicare supplement plan of like kind or less at your birth month without medical underwriting.

Answered by Ray McCauley on November 5, 2025

Broker Licensed in CA, AZ, FL & ID, NV, SC & TN

Answered by Ray McCauley Medicare Insurance Agent

Gregg Matheny · Answer

Yes, each carrier has a set of underwriting questions, and some even have a list of medication’s that if you take for any number of given diagnoses, you may be disqualified for enrollment into that supplement plan. Some are easier to get onto than others. If you narrowly don’t pass underwriting for a certain carrier, it may be a good idea to try another carrier.

Answered by Gregg Matheny on March 26, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

Medicare supplement plans are subject to Underwriting and you will need to be in reasonably good health when you are outside of your guaranteed issue period which will be when first enrolling in Medicare or within several months after leaving an employer group health plan.

Answered by Clarence "Mark" Christiansen on April 1, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Justin Doherty · Answer

Typically, yes, you will need to answer health questions when switching from one Medigap plan to another. There are some insurance companies that allow you to upgrade to a more comprehensive plan (with that same company) without answering health questions. Others may allow you to downgrade to a less comprehensive plan. However, if you are changing to another company, you will likely need to answer those. The exceptions to this would be if you live in a state that allows you to change companies and/or plans without health questions. Generally this must be done near your birthday.

Answered by Justin Doherty on August 25, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

Melonie Wood · Answer

In most case Medicare Supplements are underwritten health questions, so in moving from one plan to another, in most cases the answer is yes

Brian Moore · Answer

When clients ask me about switching Medigap plans, I point out that in Ohio, once you’re past the 6-month window after starting Part B at 65, insurers typically require health questions and can deny or adjust premiums through medical underwriting. Ohio follows standard federal guidelines with no added state safeguards, so unless you qualify for a guaranteed-issue event—like losing prior coverage—you’ll face that review. I’ve noticed people often don’t expect this hurdle, so I make sure they understand it upfront.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Kelsey Hentzen · Answer

Yes, in most scenarios, you will need to answer health qualifying questions if you switch Medigap plans.

Cheri Rogers · Answer

Yes, unless you have a Special Election Period (SEP) such as loosing your current Medicare Supplememt (MedSup) plan at no fault of your own, you will have to answer medical questions to chage MedSup Plans or try to lower your monthly premium costs. Contact a qualified Medicare Agent to discuss your current situation.

Answered by Cheri Rogers on June 2, 2026

Broker Licensed in NM & TX

Answered by Cheri Rogers Medicare Insurance Agent

Joseph Bachmeier · Answer

In most cases you do but you can switch any time during the year, and you will not be held under the Annual Enrollment Period like you would for a Part D drug plan or Medicare Advantage plan. You may not need to answer underwriting questions if you fall into a Special Election period.

Answered by Joseph Bachmeier on March 25, 2025

Agent Licensed in PA, AZ, DE & 5 other states

Answered by Joseph Bachmeier Medicare Insurance Agent

Mark Cunningham · Answer

When switching from one Supplemental/Medigap plan to another, you may be required to answer health questions, depending on your circumstances and the timing of your switch. If you are outside your initial Medigap Open Enrollment Period or do not qualify for guaranteed issue rights, insurance companies can use medical underwriting and may ask health questions, potentially affecting your eligibility or premium rates. However, if you switch during a period when you have guaranteed issue rights, you typically will not have to answer health questions.

What are Medigap Guaranteed Issue Rights? Guaranteed issue rights (also known as "Medigap protections") are specific situations when insurance companies are required by law to sell you a Medigap policy, cover all your pre-existing health conditions, and not charge you more because of your health. These rights usually arise when you lose other health coverage involuntarily, such as leaving your employer’s health plan, or if your current insurance provider goes out of business, and in certain other qualifying circumstances. During these periods, you can switch Medigap plans without answering health questions or undergoing medical underwriting.

Adam Ashby · Answer

Everyone has one guaranteed issue opportunity for Medicare Supplement when they go onto Medicare. There will be no questions asked at that time. After that initial opportunity you will generally have to go through underwriting if you ever want to change carriers. There are exceptions, one exception is that if your current carrier were to exit your area that opens up an opportunity for a guaranteed issue again. If you are wanting to make a change, reach out to a Medicare Broker who represents several different carriers. Have them review what you need and seek out specific and personal advice.

Answered by Adam Ashby on May 27, 2025

Broker Licensed in CO, GA, IL & 6 other states

Answered by Adam Ashby Medicare Insurance Agent

Brian Krantz · Answer

Yes — in most states, you’ll have to answer health questions unless you’re in a special guaranteed issue window. It depends on your state’s rules.

Jennifer McDonnell · Answer

When changing a supplement plan you do have to complete the application which includes answering all the health questions. In order to be 'approved' your health must be reasonably positive with few minor issues. Anything that is a 'considerable health risk' would likely cause a person to be 'declined'. When you first go on Medicare during your initial sign on period, you were able to qualify for a Medigap plan with NO underwriting, no health questions, but later on you must answer the health questions.

Answered by Jennifer McDonnell on May 26, 2025

Broker Licensed in MI, AZ, CA & 10 other states

Answered by Jennifer McDonnell Medicare Insurance Agent

Sandra (Sandy) Steffy · Answer

Yes, when switching from one Medigap plan to another, you may have to answer health questions or undergo medical underwriting, depending on your circumstances:

1. **Open Enrollment Period:** If you're within your Medigap Open Enrollment Period (which lasts for 6 months after you enroll in Medicare Part B), you can switch plans without answering health questions or facing underwriting.

2. **Guaranteed Issue Rights:** In certain situations, such as losing your current plan, moving out of your plan's service area, or your insurer going bankrupt, you may have guaranteed issue rights, allowing you to switch plans without answering health questions.

3. **Outside Open Enrollment:** If you're switching plans outside of these periods or circumstances, insurers may require health underwriting, which could affect your acceptance into the new plan based on your health status.

Mitch Anderson · Answer

Generally the answer is "yes". If you want to switch from one Medigap plan to another you would be required to answer health questions (medical underwriting) on the application. Some states, California for example, have a "birthday rule" that allows you to change plans annually around your birthday without underwriting requirements.

Answered by Mitch Anderson on May 6, 2025

Agent Licensed in MN, IA & WI

Answered by Mitch Anderson Medicare Insurance Agent

Mitchell Jerome · Answer

Yes if you're outside of the open enrollment period (ie turning 65 and picking up Medicare A B) then you have to address health questions. There are some exceptions to the rule that might qualify you for a Guaranteed Issue position and bypassing the questions.

Answered by Mitchell Jerome on March 12, 2025

Broker Licensed in TX

Answered by Mitchell Jerome Medicare Insurance Agent

Donna Berube · Answer

you may be subject to underwriting depending on where you live.  Usually when you start the Supplemental plan you don't change that. You're welcome to call me with more questions.

Charles Fletcher · Answer

Whether you have to answer health questions when switching from one Medicare Supplemental (Medigap) plan to another depends on where you live, when you’re switching, and the specific circumstances. Since you mentioned Washington State earlier, I’ll address that first, then cover the general rule:
In Washington State: Thanks to the state’s "Right to Change" law, if you already have a Medigap plan, you typically don’t have to answer health questions when switching to another plan of the same or a different letter (e.g., Plan G to Plan N), as long as you’re staying with plans B through N, or switching between Plan A policies. This guaranteed issue right applies year-round, not just during a specific enrollment period. However, if you’re moving from no Medigap coverage (like Original Medicare or Medicare Advantage) into a Medigap plan, or upgrading to a plan outside this rule (e.g., to Plan F if it’s still offered), insurers can require medical underwriting—meaning health questions—unless you qualify for a Special Enrollment Period (SEP).

General Rule (Most States): Outside Washington, switching Medigap plans usually requires medical underwriting unless you’re in your initial Medigap Open Enrollment Period (a 6-month window starting when you turn 65 and enroll in Part B) or an SEP applies (e.g., losing employer coverage or a Medicare Advantage plan ending). Underwriting means answering health questions, and insurers can deny you or charge more based on pre-existing conditions. If you’re past that initial window and no SEP fits, you’ll likely face those questions when switching—say, from Plan N to Plan G—unless the insurer offers a rare exception.

So, if you’re in Washington and already on a Medigap plan, you’re generally in the clear—no health questions for most switches. Anywhere else, check your timing and situation. Either way, call the new insurer to confirm their process before dropping your old plan.

Tyler Haskell · Answer

Most of the time, yes. There are some states that have whats called the "birthday rule" and allow you to change supplements on a guaranteed basis. Just google your state and medicare birthday rule and see if your state is one of them. If not, more than likely you will have to pass the company's underwriting guidelines to switch plans.

Answered by Tyler Haskell on July 30, 2025

Broker Licensed in UT

Answered by Tyler Haskell Medicare Insurance Agent

Allen McGirl · Answer

It depends on the State and your Medicare Part B effective date. If you are in a non-guarantee issue State and have had another Medicare Supplement plan longer than 6 months, then you would need to answer health questions to qualify. Contact us to see if you qualify.

Answered by Allen McGirl on June 1, 2026

Broker Licensed in CO, AL, AZ & 34 other states

Answered by Allen McGirl Medicare Insurance Agent

Samantha Jellison · Answer

It depends. There are a lot of factors to consider here, such as the State you reside in, how long you have had your current Medigap policy, and the timeline of when you plan to switch. 
Unfortunately there are a lot of rules when it comes to Medicare Supplement policies. That’s why it’s important to work with a knowledgeable, trustworthy and licensed professional.

Rose Cahill · Answer

Good question. It will depend on your State of residence and the rules in your State. There are just a few States that are guaranteed issue states, meaning there is no medical underwriting required. However, most States allow you to enroll in Medicare Supplement plans with no underwriting initially; however, when changing from one plan to another, you will likely have to answer underwriting questions which can impact your premium rate and your acceptance. In contrast, there is no medical underwriting for Medicare Advantage Plans.

Answered by Rose Cahill on July 21, 2025

Agent Licensed in MA

Answered by Rose Cahill Medicare Insurance Agent

James ONeal · Answer

Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?

The Short answer is Yes!

Generally, yes, you will likely have to answer health questions when switching from one Medigap (Medicare Supplement) plan to another. 

Most Medigap policies are underwritten, meaning the insurance company will assess your health status before approving your application. 

However, there are Certain Situations Where You May Be Able To Switch Without Answering Health Questions, Such as during a Guaranteed Issue right or a state-specific enrollment period.

Ali Crouch · Answer

If this is not your first time on Medicare or you are transitioning from your trial year of a Medicare Advantage plan, you will need to answer health questions in order to switch to a different Medicare Supplement. Each insurance company may have different questions. You are welcome to apply to as many companies as you like until you find one that accepts you. However, certain major health issues can make it difficult to switch plans. If you have any questions, please feel free to contact me.

Answered by Ali Crouch on October 6, 2025

Broker Licensed in NE, AZ, CO & 11 other states

Answered by Ali Crouch Medicare Insurance Agent

Michael Ryan · Answer

Typically no.. There will be some questions needed for underwriting some plans outside of the Guaranteed Issue windows.

Nathan Danovski · Answer

Medigap plans are underwritten in most states once you’re outside your initial enrollment window (usually 6 months after you turn 65 and enroll in Part B). That means:
	•	Insurance companies can ask about your health
	•	They can deny coverage, charge more, or exclude pre-existing conditions

You don’t need to go through underwriting if:
	1.	You’re in your Medigap Open Enrollment Period (the 6-month window after you enroll in Medicare Part B).
	2.	You qualify for a guaranteed issue right, such as:
	•	Your current Medigap plan ends or stops covering your area
	•	You move out of your plan’s service area (for Medicare SELECT)
	•	You lose other creditable coverage (like employer or union coverage)
	•	You’re within 12 months of trying a Medicare Advantage plan and want to switch back to Medigap (the “trial right”)

If you’re switching Medigap plans just because of cost or benefits, and you’re outside of those protected periods, expect to answer health questions — and possibly be declined.

Michelle de Guzman · Answer

If you have a Guarenteed Issues event then you do not have to answer health questions. Otherwise, you will have to answer health questions to switch from one Medicare Supplement to another.

Medicare Melanie · Answer

Having to answer medical questions when switching from one Medicare plan to another can be scary. While this is a complex question and varies by state, it can still be answered, but a thorough needs analysis with our team would be needed to confirm your specific needs. 

Switching to Original Medicare - Health questions are not required.

Switching Medicare Supplements, outside of a Guaranteed issue period - Health questions are required.

Switching to a Medicare Advantage plan (Part C) - Health questions are not required.

Switching Part D (Prescription) plans - Health questions are not required. 

As you can already tell, the process can be dauting, but don't worry. Our team is here for you.

Kim Fisher · Answer

Yes if you first apply when you turn 65 or first go on Medicare part B you will have guaranteed issue. If you later want to change plans you have to go through health questions.

Karen Moore · Answer

Some states allow you to switch between Medicare Supplement plans with a guaranteed issue under the birthday rule (changing plans in your birthday month), however this rule varies from state to state. Some states like WA have a guaranteed issue at any time depending on the Medicare Supplement plan letter.

Mark Michael · Answer

Many states now have instituted the birthday rule where in a certain timeframe around your birthday, you can switch from one company to another on the same letter or less with out the health questions.  
     Other than that, unless you're in an open enrollment. You would most likely berequired to answer the Health questions.

Shane and Tammy Carpenter · Answer

This really depends. Will you be switching within the same company? Which company is it? Otherwise, you generally must answer health questions when switching between plans.

Frank Souk · Answer

Yes you do. The only time medical underwriting is not required is when an individual is afforded Guaranteed Issue rights.

Jim Neil · Answer

Usually yes. The only times you don't answer health questions are when you're new to Part B (usually when turning 65 or leaving your employer plan after you've already turned 65) or when you have any sort of 'guaranteed issue rights.' The most common of these is when someone already has Part B and is still working and he/she is coming off of the employer plan due to retirement. So something 'special' has happened meaning the employer plan was lost, therefore you have guaranteed issue rights for a Supplement with no health questions.

Answered by Jim Neil on March 26, 2025

Agent Licensed in MI, AL, AR & 31 other states

Answered by Jim Neil Medicare Insurance Agent

Nathan Curry · Answer

Thinking that Medicare covers everything 100% including dentistry, vision, hearing, and long-term care is one of the most often held false beliefs about Medicare. The truth is, Original Medicare (Parts A and B) has gaps in coverage, which is why many people need additional plans like a Medicare Advantage or a Supplement to help cover those out-of-pocket costs. It catches a lot of people by surprise if they don’t plan ahead.

Answered by Nathan Curry on March 25, 2025

Broker Licensed in FL, AL, AZ & 21 other states

Answered by Nathan Curry Medicare Insurance Agent

Mark Slemons · Answer

No one likes to hear "it depends" and unfortunately, this is the answer here. Most of the time, answering health questions will be necessary; however, there are special circumstances (e.g. moving to a new state) where switching will not require answering health questions.

Answered by Mark Slemons on March 5, 2025

Broker Licensed in AZ, AK, AL & 17 other states

Answered by Mark Slemons Medicare Insurance Agent

John Billetdoux · Answer

In order to move from one supplemental plan to another, you must remember that you’ll have to pass through the underwriting phase. This means the potentially new carrier is allowed to ask you health questions, if they are not satisfied with the answers they receive, they can decline the application or possibly charge you a higher premium than you’d normally be paying.

Answered by John Billetdoux on February 11, 2025

Broker Licensed in NJ, DE, FL, NC, PA & SC

Answered by John Billetdoux Medicare Insurance Agent

Steven Bleicher · Answer

If a full year has passed after turning age 65, there will be a series of health questions which must be answered in order to change your Med. Supplement plans. If you've remained healthy, the odds are good that a change will be approved. However, please note if you are still WITHIN the one year period of obtaining a Medigap/Suppmt. plan, you will have a right to change companies without having to answer any health questions. Thus, acclimating to your plans initially, no matter what they are, is paramount.

Answered by Steven Bleicher on March 27, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

It depends. If you are not in a Guaranteed Issue situation, then yes you would. For instance, if you have been with this Policy for years, then yes you would most likely. Please contact a Broker for it.

Answered by Andrew Zurbuch, MBA on December 22, 2025

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Timothy Brown · Answer

Health questions are required after the first 6 months of the initial Medicare Part B coverage whether it’s your first time enrolling in a Medicare supplement or if you’re considering switching plans.

Answered by Timothy Brown on July 26, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Ron Cronwell · Answer

Unless you have a guarantied issue sep. then yes most plans require health questions. A few states allow a birthday sep. or an open sep. all year. states

Michael Pyers · Answer

You have to answer health questions if you move from one Medigap plan to another. However, you can switch any month of the year as long as you meet the health requirements.

Rick Boyd · Answer

Unless you qualify for a guaranteed issue enrollment if your state has a supplement birthday rule. You will have to answer health questions.

Leslie Helene Sussman · Answer

Yes, generally you do have to answer Health Questions when Switching Medicare Supplement/Medigap plans but do not be afraid to review the questions with a Medicare Broker and find out if there are less expensive Medigap plan options for you.     Each carrier could have different premiums for the same Health Plan coverage.

Medicare Supplement/Medigap plans are the SAME Medical coverage from Carrier to Carrier BUT not always the SAME premium.   It is always good to compare options.

If you are unsure or have questions, please contact me directly and I will be happy to review and let you know if you have options.

Michael Yost · Answer

Typically, yes you do. The first 6 months on Part B you can enroll in any supplement with no health questions. After the 6 months passes, then you would have health questions to switch or enroll in a supplement.

Answered by Michael Yost on April 24, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Richard Kozlowski · Answer

It may depend on the state in which you live and the reason you are changing, but in many cases, yes

Rich Kozlowski
Senior Services
Contact me.

Daintee Hurst Dietz · Answer

Yes. Unless you’re in a possible trial right period but yes they will ask you medical questions to determine eligibility.

Gretchen Morris · Answer

The questions that this is referring to is underwriting.  Depending on your timing of the switch you may be required to go through underwriting.  Again this is a case by case basis.

Tammie Rutledge · Answer

If you are switching for one Plan F for example to another Plan F, no you are not required to answer health questions. The plan you are changing to must be a like plan. There are other circumstances that may not require health questions. Check with your local broker and ask them to review the Underwriting Guidelines with the company you are applying with.

Answered by Tammie Rutledge on March 25, 2025

Broker Licensed in WA, AZ, CA & 6 other states

Answered by Tammie Rutledge Medicare Insurance Agent

Helena Foutz · Answer

This depends. If you live in a Birthday Rule state, like California or Idaho, you have an opportunity to switch plans on a Guaranteed Issue basis around your birthday, which means you can be a serious health condition and still get a new plan with no questions asked. If you go at any other time of year, or your state doesn't offer a Birthday Rule, then yes, you may be asked health questions.

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 12 other states

Answered by Helena Foutz Medicare Insurance Agent

Areasha Lockhart · Answer

In some situations, yes. If you are new to Medicare, meaning you are turning 65 or retiring from your employer coverage, you have a Special election period where you do not have to answer any health questions. However, if you chose an advantage plan when you retired or when you first became eligible for Medicare, then yes, you will have to answer all health questions.

Answered by Areasha Lockhart on May 20, 2025

Broker Licensed in CO, IA & ME

Answered by Areasha Lockhart Medicare Insurance Agent

Mary Manos-Mitchem · Answer

If you switch from one Medigap (Supplemental) plan to another, you’ll usually have to answer health questions and may be denied or charged more based on your health. However, if you’re in your Medigap Open Enrollment Period or have certain guaranteed issue rights — such as losing other coverage or trying an Advantage plan for the first time — you can change plans without answering health questions.

Answered by Mary Manos-Mitchem on November 6, 2025

Broker Licensed in OH, IA, IL & 15 other states

Answered by Mary Manos-Mitchem Medicare Insurance Agent

Donald E Oates, CLU, ChFC, RTRP · Answer

Yes, if you don't live in a state that has the "Birthday Rule."  If you live in a state with the "Birthday Rule" you can change on your birthday without having to answer any medical questions.

Clare Goyette · Answer

That rule depends on the Medigap company and your state rules. Down grading from a G to an N normally would not require underwriting.

Tabitha Kampfer · Answer

Do I have to answer health questions when switching from one Supplemental/Medigap plan to another 
yes, you definitely will need to answer health questions.

Fred Manas · Answer

In most situations, yes, you will likely need to answer health questions when switching from one Medigap (Supplemental) plan to another, especially outside of your Medigap Open Enrollment Period. This process is called medical underwriting, and the insurance company may deny your application or charge you more based on your answers. However, there are exceptions, such as guaranteed issue rights or special enrollment periods, where you may be able to switch without answering health questions. 
Here's a more detailed explanation:
Medical Underwriting:
.
When you apply for a Medigap plan, the insurance company will likely ask you questions about your health history, current medications, and any chronic conditions. They use this information to assess your risk and decide whether to offer you coverage, at what rate, and potentially with any limitations. 
Guaranteed Issue Rights:
.
If you are within your 6-month Medigap Open Enrollment Period, or if you qualify for certain other guaranteed issue rights (like switching after losing coverage through no fault of your own), you may be able to switch plans without answering health questions. 
Special Enrollment Periods:
Some states have special enrollment periods for switching Medigap plans, & you may be able to switch without medical underwriting during these periods. 
State Variations:
Some states may have different rules regarding Medigap switching and underwriting. 
Impact of Underwriting:
If you are denied or charged more due to medical underwriting, it can be frustrating, but it's important to understand that the insurance company is assessing risk. 
To determine if you need to answer health questions when switching:
Check your eligibility for guaranteed issue rights or special enrollment periods . 
Contact the insurance company: directly to inquire about their specific requirements and whether they will require health questions. 
Consider the implications of underwriting: & your potential need for a different plan.

Vachik Chakhbazian · Answer

Yes, when switching from one Medigap (Supplemental) plan to another, you may have to answer health questions and go through a medical underwriting process in most states. However, there are exceptions, including your first Medigap open enrollment period and guaranteed issue rights.

Answered by Vachik Chakhbazian on June 8, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Meghan Blankenship · Answer

Yes - in most cases, you'll have to answer health questions and go through medical underwriting when switching from one Medigap (Supplemental) plan to another, unless you qualify for guaranteed issue rights.

Answered by Meghan Blankenship on November 19, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Mike Henry · Answer

Yes usually you do.  With most plans you go through medical underwriting. Be careful when doing ghis. They’ll look at your current situation plus past claims

Andrew Kelly · Answer

It depends. Each state has different rules. In Washington, there is a RCW that allows seniors to change from one supplement to another at any time with no health questions. In Oregon, you generally DO need to respond to health questions; with one exception, your birthday month. Oregon allows you to move without health questions 30 days before and 30 days after your birthday. These are the two states that I'm licensed in. I'm certain that other states may handle it both similar and differently.

Answered by Andrew Kelly on September 6, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Eizel Mere · Answer

The general answer is yes. It depends on the company. Some are more strict than others. Provide your agent with all the necessary information.

Antonio Rodriguez · Answer

Usually, yes. In most states, if you switch from one Medicare Supplement (Medigap) plan to another, you may have to answer health questions and go through medical underwriting. This means the new company can look at your health history and could deny your application.

There are exceptions, though. Certain states and special situations offer guaranteed-issue rights where you can switch without health questions. It really depends on your timing and where you live.

If you ever want to see what options you qualify for without affecting your coverage, I can walk you through it.

Michael Kim · Answer

Only is states that don't have the Birthday rules. Where you can just change your supplemental plans in the month of your birthday.

Toni Cormier · Answer

Yes, if you are outside your initial Medigap open enrollment period or don't have a guaranteed issue right you are subject answering health questions for switching between Supplemental/Medicare plan to another.

Answered by Toni Cormier on July 12, 2025

Broker Licensed in TX, CA & OK

Answered by Toni Cormier Medicare Insurance Agent

Jeffrey Sodikoff · Answer

IT DEPENDS ON SEVERAL FACTORS. MOST LIKELY YOU WILL

Jim Willis · Answer

Yes.  If you are concerned about pre-existing conditions affecting your premiums, consider switching to Medicare Advantage as almost 90% of Medicare recipients have done.

Talk to a Medicare Advantage Broker to learn what stories about Medicare are true and what are false.

William Murray · Answer

Yes, you would normally have to answer medical questions if you switch from one Supplement/Medigap plan to another without having a guaranteed issue (GI) situation available to you.

Kevin Chaikin · Answer

In many cases yes you do need to answer health questions but this depends where you live as some states have more flexible rules for consumers than others and you may find you can make this change at certain times of year without going through underwriting.  As with most Medicare questions, it depends on your specific situation and location.

Jerry Cohen · Answer

The answer is... it depends on your state of residence. Most states do not provide guaranteed issue rights so a person switching from one plan to another will need to answer medical profile questions. If the insurance company does not like the answers provided by the applicant you can be rejected. The only states offering guranteed issue Medicare supplement coverage are: Connecticut, Massachusetts, Maine, and New York.

Abigail Turner · Answer

In most cases/states, yes. There are some states that do allow you to change annually guaranteed without having to qualify and it's usually a 30 day window around your birthday. Also, a few companies will let you "downgrade" your plan internally without having to qualify but you have to choose a plan that covers less, typically. Most states do not have the birthday rule and most companies do not allow you a guaranteed change internally, however, and do require you to answer health questions to qualify to switch plans.

Cynthia Allen · Answer

Yes you will generally need to go through medical underwriting but there are exceptions.  Such as the Birthday rule, which only a few states offer, by which you can change your Medicare Supplement Plan each year in the designated timeframe of when your birthday is and another 60 days — depending upon the rules of each state.   Best thing to do before making a switch is to talk with an insurance agent so they can cover all your options.

Dennis Sullivan · Answer

No, for instance, if you had Aetna and a Plan G and you wanted to change to a Plan N, there would be no health questions. A better term would be underwriting. Now, if you changed companies, you would have to go back through underwriting. To the best of my knowledge, I've been doing this for over 10 years. That's a good question. That would definitely be something to look into on a grander scale. Yeah, but if you're staying with the same company, my best answer would be no as far as underwriting concerns there.

William Wheatley · Answer

If you are remaining with same carrier in most cases you will not have too. But if you are moving from one carrier to another supplement carrier yes, you will have to answer their specific questions.

Stanley Wittenberg · Answer

No. There are no qualifications for an exchange.  It is easy to do in Connecticut.
Contact us to make an appointment

Steven Maicus II · Answer

You may have to answer health questions when switching from one Medigap plan to another, but it depends on your specific situation and the state where you live. During your initial 6-month Medigap Open Enrollment Period, you can typically switch plans without answering health questions. However, outside of this period, or in states with less favorable rules, you may have to answer health questions and could be turned down or charged more for pre-existing conditions.

Philip Santucci · Answer

After your initial enrollment you will have to answer health questions. Each carrier will have a different appetite so best to work with a knowledgeable broker who can find the best fit for you.

Alyssa Gonzales · Answer

Usually yes, unless you’re within your Medigap Open Enrollment Period (6mo from Part B start date) or have a Guaranteed Issue right (losing employer or union coverage, your Medicare Advantage plan leaving your area, or moving out of your plan’s service area. ). Outside of those times, yes, the insurance companies can require what's called underwriting and decide to approve or deny coverage based on the answers to the questions they ask.

Shahnaz Razvi · Answer

If you do not have a (SEP) Special Enrollment Period reason, or if you are not in the (OEP) Open Enrollment Period. That is new to medicare or new to Part B, You can change your Medicare Supplement plan anytime of the year, however you will need to answer health questions to qualify with the new plan or new company.

Darnel Brown · Answer

Once you are on a Medicare supplement and have past your Open Enrollment period, yes the carrier has the right to have you  answer Medical question, do underwriting to decide to approve or deny coverage based on Medical question.

Gina Pranzitelli · Answer

It depends on a few things. If you want to do this outside of your open enrollment you might. Different states have different sitnations where you might not have to go through medical question underwriting, like an Anniversay special occasion, A Birthday special occasion and etc. Now if you are wanting the same plan but with just a different carrier, to lower your monthly premium, you can do this during annual enrollment or with your states special occasion.

Tanja Roulhac · Answer

Yes, generally, you may have to answer health questions when switching from one Medigap plan to another, but it depends on your situation. Here's a quick breakdown based on Medicare rules:

Outside Your Initial Enrollment Period: If you're not in your 6-month initial enrollment window (starting when you turn 65 and have Part B), insurers can require medical underwriting. This means you'll likely need to answer health questions, and they could deny coverage or increase premiums based on your health.


Guaranteed Issue Rights: You won't have to answer health questions if you're switching during a guaranteed issue period, such as:

Within 6 months of enrolling in Part B at age 65+.

If you lose other coverage (e.g., employer plan) and meet specific criteria.

In certain situations, like moving to a new state or your plan being discontinued.


Key Advice: Always check with the specific insurance company or use the official Medicare website (Medicare.gov) for details, as rules vary by state and plan.

Andrew Bartley · Answer

Yes and no as Indiana just passed a birthday law so the month before your birthday and the month of your birthday you get a guaranteed issue. To switch your supplement carrier or plan however anytime outside of this period you would have to answer health questions

Rob Baer · Answer

Generally yes, unless you are within your new to Medicare Guaranteed Issue time period, or your old carrier and /or plan has left the market, which provides you a Guaranteed acceptance to pick a new plan.

Julie Hamilton, RN · Answer

Yes, you will be required to answer health questions when switching from one Medicare Supplement plan or Medigap plan to another.  Each insurance company's questions vary slightly, but even if you already have a Medicare Supplement plan, you have to answer questions if you apply for a different plan.

Debra Hartman · Answer

Yes you will have to answer health questions outside of special enrollment or guaranteed issue period.

Soledad Ramirez · Answer

Only when it's a NON - Guaranteed issue time frame - which are when you do it during the year and not on your birthday month or when you enroll after your 6 months of turning 65.

Angela Tapp · Answer

The short answer is, yes, in most states you do have to answer health questions to switch Medigap plans, unless you have guaranteed issue rights or special election period where you can bypass underwriting. For example, if you live in a state that observes a Birthday Rule or Anniversary Rule, you are given a special window of time every year to switch your plan. Make sure to wait for the new policy to effectuate before canceling the previous policy.

Edward Cavelli · Answer

If there is not a guarantee issue election to be used then health questions must be answered to qualify for a new Supplement/ Medigap plan.

Steve Dunn · Answer

We are about to enter the Annual Enrollment Period where you can switch to a plan better suited for your needs.  Reach out and I can compare various plans based on the meds you takes, doctors you see and the amount you travel.  Happy to help!

Maureen Breslin · Answer

In most cases you will have to answer health questions.
Some states have their own rules, often called birthday rules, that allow you to change plans at any time or within a specific window around your birthday, regardless of your health.

Amy Twary · Answer

In general yes. There may be times when you qualify for a guaranteed issue enrollment and do not have to go thru medical underwriting.

Eva Peterson · Answer

If you live in a state that allows you to switch using the birthday rule, you can switch in and around your birthday month to another plan that is equal to or lesser than your current Med. Supp. Plan.  So, it does depend what state you are in.