I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?

Question

Don Hudson · Accepted Answer

If you have a severe or disabling condition that recently occurred and are enrolled in a Medicare Advantage plan you may qualify a (SEP) Special Enrollment Period.
If you have a Medigap plan most likely no changes will be needed.

Melonie Wood · Answer

on Medicare Advantage Plans there is NO underwriting, so regardless of the health of someone, everyone can get a Medicare Advantage Plan is long is their Part A & B are in effect. Medicare Supplements require medical under writing and based on results could require much higher monthly premiums

Answered by Melonie Wood on March 30, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Lt Col Tim Brown · Answer

That isn’t enough information for me to answer you. I don’t know what type of plan you have but either type should be sufficient. Give me more info on your plan and the change in your health for a more specific answer. Either type plan will perform as stated in the evidence of coverage.

Answered by Lt Col Tim Brown on April 26, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

Joseph Bachmeier · Answer

In most cases you do not need to worry as much if you have a Medigap plan. The change in your health could affect your medical costs under a Medicare Advantage plan or your Part D drug plan.

Nikki Rowland · Answer

It is always a GREAT idea to review your coverage. Plans change and as you know, how health care needs change. There may or may not be something better for you. I always encourage plan reviews.

Betty McCarty · Answer

Your Medicare plan could be greatly affected by your health. There are specialized plans tailored to chronic conditions in certain counties that are greatly beneficial. 

A Chronic Condition Special Needs Plan is a Medicare Advantage plan designed for people who have a chronic or disabling condition.

Benefits of a C-SNP can include specialized care, transportation, meal delivery services, access to specialists, telehealth services, and more.

If you need help signing up for a C-SNP, a Medicare Advisor can assist. Call us at 509-216-3069 or schedule a time to chat. 

So, whether your health condition has improved or declined, an Advisor can help you understand your options better, even if you already have a C-SNP.

Debra Weber · Answer

Your insurance cannot cancel your policy because of your health. Nor can they raise your premiums because you use the policy more. It would only make a difference if you were to try to change a Medicare Supplement. They could tell you no due to healrh questions . I hope that answered your questions

Answered by Debra Weber on March 26, 2025

Broker Licensed in PA, DE, FL & 5 other states

Answered by Debra Weber Medicare Insurance Agent

Sophia Davis · Answer

Having a change in your health status is always a great reason to take a closer look at your coverage. It may or may not be necessary, but it's always worth a look.

Dashelle Warntjes · Answer

I believe it is always helpful to advocate for yourself, by reaching out to a licensed professional like myself to reevaluate your current coverage when health conditions change!

I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?

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I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?

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