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What If I Don't Like My Plan?

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By Daniel Petkevich
Jun 8, 2020

How "returns" work in the Medicare world.

When you buy a package on Amazon, you get thirty days to return it, but what happens if you don't like your Medigap (Medicare Supplement) or Medicare Advantage policy?

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Medigap (Medicare Supplement)

There are two opportunities to enroll in Medigap without any pre-existing conditions affecting your premium:
  • During the six months after your 65th birthday and enrollment in Part B
  • For 63 days after you lose employer health insurance coverage
During these periods you can enroll and unenroll in as many Medigap policies as you like. Once these periods pass, Medigap plan carriers can generally screen you, raise your premium, or delay coverage based on any pre-existing conditions you have. In California, however, you have a a 30 day window after your birthday to switch to a Medigap plan that offers equal or fewer benefits than your current one without disclosing any pre-existing conditions.
If you want to switch from a Medigap plan to a Medicare Advantage plan, you can do so between October 15th and December 7th every year.

Medicare Advantage

If you enroll in a Medicare Advantage plan when you turn 65, you may switch to a Medigap plan for any reason during the first year.
If you want to swap your current Medicare Advantage plan for another one, you can change Medicare Advantage plans between October 15th and December 7th and between January 1st and March 31st every year.

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2024 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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