You can switch Medicare Supplement plans at any time, but you may be subject to medical underwriting outside of your Medigap Open Enrollment Period and guaranteed issue rights. Some states have birthday rules that allow you to switch without underwriting during a window around your birthday.
Key Points
- You can switch Medigap plans at any time
- Outside Open Enrollment: medical underwriting may apply
- Birthday rule states: switch without underwriting during birthday month
- Guaranteed issue rights: specific situations where you cannot be denied
- An independent agent can help you identify the best time to switch