Can I switch from plan N to plan G for Medicare?
Yes, you can switch from Medicare Supplement Plan N to Plan G at any time of the year, but you will generally need to pass medical underwriting (health screening) unless you live in a state with special rules.
How the Switch Works
- Medical Underwriting: Outside of your initial 6-month Medigap open enrollment period, moving from Plan N to Plan G (which offers more comprehensive coverage) requires answering health questions. The insurance company can review your medical history and deny coverage if you have certain health conditions.
- State Exceptions: A few states (such as California or Washington) have specific rules like "birthday rules" or continuous open enrollment that may let you switch or change plans without health questions.
- Timing: You can apply to switch during any month of the year; Medigap does not rely on the fall annual election period for changes. Do not cancel your Plan N policy until your new Plan G policy is fully approved.
Key Differences to Keep in Mind
- Copays: Plan N requires copays up to $20 for some doctor visits and up to $50 for emergency room visits. Plan G has no office or emergency room visit copays.
- Excess Charges: Plan N does not cover Part B excess charges (if a doctor doesn't accept Medicare assignment and bills up to 15% more). Plan G covers these excess charges completely.
- Cost: Plan G generally has a higher monthly premium than Plan N because it offers broader coverage.
You can review official guidance on changing policies through Medicare.