You can switch Medicare Supplement plans at any time, but medical underwriting may apply outside of the Open Enrollment Period and guaranteed issue rights periods. If you are in good health, you may be able to switch to a lower-cost plan. Birthday rule states allow switching without underwriting annually.
Key Points
- Can switch Medicare Supplement plans at any time
- Outside OEP: medical underwriting may apply
- Good health: may be able to switch to a lower-cost plan
- Birthday rule states: switch without underwriting annually
- An independent agent can help you evaluate whether switching makes sense for you