Medicare
Can I switch from Medicare Advantage to Medicare Supplement?
Yes, but timing matters. During Medicare Advantage Open Enrollment (Jan 1–Mar 31), you can switch back to Original Medicare. First year trial right: switch back with guaranteed issue within 12 months. After year one: medical underwriting required in most states. Pre-existing conditions may prevent approval.
Key Points
- Can switch during Medicare Advantage Open Enrollment (Jan 1–Mar 31)
- First year 'trial right': switch back with guaranteed issue within 12 months
- After year one: medical underwriting required in most states
- Pre-existing conditions may prevent approval or result in higher premiums
- Some states (CT, MA, NY) have year-round guaranteed issue protections
- An independent agent can identify which carriers are most likely to approve