Switching Plans the Right Way
How to Switch Medicare Plans — The Right Way
If your current Medicare plan no longer fits your doctors, prescriptions, or budget, you may be able to switch.
But timing and eligibility matter.
Switching incorrectly can create coverage gaps or penalties.
Here’s how to do it properly.
No pressure. Just clear guidance.
Step 1: Know Your Enrollment Window
You can switch Medicare plans during certain enrollment periods:
Annual Enrollment Period (AEP)
Changes take effect January 1.
Medicare Advantage Open Enrollment (MA OEP)
If you’re already enrolled in Medicare Advantage, you can:
You can only make one change during this period.
Special Enrollment Period (SEP)
You may qualify if:
Each SEP has its own rules. See all enrollment periods →
Step 2: Understand How Coverage Transitions Work
When you switch plans correctly:
⚠️ Important: Never cancel your current plan yourself until the new enrollment is confirmed. Gaps in coverage can trigger late enrollment penalties.
Switching from Medicare Advantage to Supplement
This is possible — but more complex.
You may need:
Timing is critical here.
Switching without proper review can result in denial or higher premiums.
Switching from Supplement to Advantage
This is typically easier.
You can enroll in a Medicare Advantage plan during:
Be sure to understand network rules before switching. Some plans also offer a Part B premium giveback.
Why People Consider Switching Plans
Doctors left the network
Prescription costs increased
Copays became too high
Plan benefits changed
Health needs changed
An annual review helps determine whether switching makes sense — or if staying put is smarter.
Mistakes to Avoid
Switching is easy when done correctly — but mistakes can be costly.
➡ Read About Common Medicare MistakesWe Make Sure the Timing Is Right
During your annual Medicare review, we:
Confirm your enrollment window
Compare plan options in your ZIP code
Check your doctors and prescriptions
Estimate total yearly cost
Handle enrollment paperwork
Ensure smooth transition
If switching improves your situation, you’ll understand why.
If staying where you are makes more sense, we’ll tell you that too.
Frequently Asked Questions
Is there a fee to switch Medicare plans?
No. Enrollment assistance is provided at no cost to you.
Can I switch plans anytime?
No. You must qualify for an enrollment period. The most common is the Annual Enrollment Period (October 15 – December 7), but Special Enrollment Periods may apply in certain situations.
Will my prescriptions automatically transfer?
Pharmacies can assist, but you should verify that your medications are covered under the new plan’s Part D formulary before switching.
Can I switch more than once per year?
Generally no, unless you qualify for a Special Enrollment Period. During the MA Open Enrollment (January 1 – March 31), you can make one additional change if you’re already in an Advantage plan.
What if I’m turning 65 and haven’t enrolled yet?
If you’re new to Medicare, the switching rules don’t apply — you’ll be choosing your first plan during your Initial Enrollment Period.
Related Medicare Resources
Enrollment Deadlines
Every enrollment period with dates and rules.
Supp vs Advantage
Side-by-side comparison of costs and trade-offs.
Medicare Penalties
Avoid permanent late enrollment surcharges.
Part B Giveback
Plans that reduce your Part B premium.
Complete Medicare Guide
Parts A, B, C, and D explained clearly.
Medicare Glossary
Every term explained in plain language.
Not Sure If You Should Switch Medicare Plans?
Let’s review your coverage and determine whether a change makes sense.
Licensed independent Medicare advisor. Reviews provided at no cost to you.