Open enrollment for Medicare Advantage and Medicare Part D coverage ended on December 7, but if you’re thinking about changing your coverage, you’ve still got options.
- Starting December 8 – and through November 30 – you can actually switch to a new Medicare Advantage or Medicare Part D plan – if you enroll in a plan in your area that has earned the government’s five-star (excellent) rating.
- You can apply for a Medicare Supplemental Insurance (Medigap) plan at any time during the year. If you’re within the six-month open enrollment window that begins when you turn 65, the coverage is guaranteed issue. That is also the case if you’re in a special enrollment period triggered by a qualifying event.
- You can still apply for a Medigap plan outside of open/special enrollment periods – though carriers will use medical underwriting to determine whether to accept your application and how much to charge you.
- There are several ways to leave Medicare Advantage, including the annual Medicare Advantage disenrollment period – which runs from January 1 to February 14 each year.
For a thorough overview of the changes, you can make to your coverage, read How do I change my Medicare coverage?