How and when you can change your coverage

Medicare's annual open enrollment has ended, but there are still opportunities to change to your coverage over the next 10 months.

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?

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