Medigap, also know as Medicare Supplement insurance can be changed at any time. You do not have to wait until open enrollment in October. Since Medicare Supplements are in addition to Original Medicare, the rules are different than a Medicare Advantage Plan that basically takes the place of Original Medicare. If you have a prescription drug plan, (Part D) you will have to wait until Open Enrollment October 15th through December 7th to change the Part D.
Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
In general, you can change your Medigap Plan any time of the year. You will have to medically qualify for a new Medigap Plan -- unless you are in a Guaranteed Issue situation (the rights you have in certain situations when insurance companies are bound by law to sell you a Medigap Policy and can't deny you because of current or past health issues).
To qualify medically, means you have to answer the health questions on the insurance carrier's application and list prescription medications taken in the last 12 - 24 months. Every insurance company's health questions are unique, as is each individual. A licensed independent agent who specializes in Medicare Supplement insurance is a great resource for helping you find which insurance companies you may qualify with -- and, which ones have the best premiums for the Medigap Plan benefits you want.
Thank you for reading my response. If I can help you with your specific situation, please feel free to contact me.
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To qualify medically, means you have to answer the health questions on the insurance carrier's application and list prescription medications taken in the last 12 - 24 months. Every insurance company's health questions are unique, as is each individual. A licensed independent agent who specializes in Medicare Supplement insurance is a great resource for helping you find which insurance companies you may qualify with -- and, which ones have the best premiums for the Medigap Plan benefits you want.
Thank you for reading my response. If I can help you with your specific situation, please feel free to contact me.