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If you’re not satisfied with your Medicare Advantage plan, there are opportunities to change it. You can generally only change Medicare Advantage plans during certain enrollment periods.
The first time you may be eligible to sign up for a Medicare Advantage plan may be during your Initial Enrollment Period. During this period, you can both enroll in a Medicare Advantage plan and switch from one plan to another. Maybe you first sign up for a plan that seems attractive but then decide you want the same coverage your spouse has. You can change Medicare Advantage plans anytime during your Initial Enrollment Period.
If you qualify for Medicare by age, your Initial Enrollment Period starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you qualify for Medicare through disability, this period starts 3 months before your 25th month of getting Social Security or Railroad Retirement Board benefits, includes the 25th month of getting disability and ends 3 months after your 25th month of getting disability benefits.
The Medicare Advantage Open Enrollment Period is October 15 through December 7 each year. During this period you can switch from a Medicare Advantage plan to another Medicare Advantage plan or switch from a Medicare Advantage plan back to Original Medicare. There is generally no limit on how many times you can switch Medicare Advantage plans if you do it during the Medicare Open Enrollment Period.
Outside of the Medicare Open Enrollment Period, you may be able to change your Medicare Advantage plan during a Special Enrollment Period (SEP). Usually you’ll be granted a SEP if you move or lose other insurance coverage. Life events that may qualify you for a Special Enrollment Period include:
There could be many reasons to change Medicare Advantage plans. For example:
Do you want to start looking for Medicare Advantage plans in your area today? Just enter your zip code on this page.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.