When to Change Medicare Plans

The table below describes the most typical scenarios of when to change Medicare Plans.

Changing Medicare Plans           When to change Medicare Plans / Details
Medigap to Medigap You may add/drop/switch your Medigap policy at any time as long as you are enrolled in Original Medicare (not Medicare Advantage). The best time to do so is during the Open Enrollment Period, or when you have Guaranteed Issue Rights. Guaranteed Rights are triggered by certain situations, but the selection of available Medigap plans is limited.  During other times the Medical Underwriting is required to add/switch Medigap plans.
Medicare Part D to Medicare Part D Annual Enrollment Period: Oct. 15 – Dec. 7. Add/drop/switch Part D coverage. Exception: People who qualify for extra assistance with their prescription drugs can make Part D changes once per month.
Original Medicare to Medicare Advantage Annual Enrollment Period: Oct. 15 – Dec. 7. Enroll in a Medicare Advantage plan.
Medicare Advantage to Original Medicare Annual Enrollment Period: Oct. 15 – Dec. 7. Drop Medicare Advantage and return back to Original Medicare. Medicare Advantage Disenrollment Period: Jan. 1 – Feb. 14. Drop Medicare Advantage and return back to Original Medicare. You can also select a stand-alone Medicare Part D.
Medicare Advantage to Medicare Advantage Annual Enrollment Period: Oct. 15 – Dec. 7. Switch between Medicare Advantage plans.


Rules providing when you can change Medicare plans are fairly restricted. Changes are ONLY allowed at specified times (with the exception of switching between Medigap plans). It is because of this limited time frame that it is important to be proactive. Give yourself enough time to compare the benefits and costs of your existing plan against a new plan.

When Change Medicare Plans: Let us Help you

Liberty Medicare is here to help you every step of the way when it comes to changing and enrolling in the best and most suitable Medicare Plan for you. We can also help you to:

  • Check whether you may have special circumstances known as Special Election Period (SEP), which allows you to avoid the strict timing regulations as described above
  • Identify Medigap insurance companies that may allow a more liberal medical underwriting policy in changing plans

All of our services are absolutely free to you! Liberty Medicare represents many well-known Medicare providers in Delaware, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, and Virginia.

If you are looking for Medicare advice, please allow us to guide you. To view real quotes from Medicare providers fill out our Medicare Quote form, or give us a call at 877-657-7477.