Can you switch Medigap plans during open enrollment without underwriting?

Asked by: Earline Nikolaus  |  Last update: May 13, 2025
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Yes, a person can change Medigap policies without medical underwriting if they are within the 6-month Medigap open enrollment period. They can also do so if they are eligible under a specific situation or guaranteed issue right.

Can I switch Medigap plans without underwriting?

In most cases, you won't have a right under federal law to switch Medigap policies, unless: You're within your 6-month Medigap open enrollment period, or. You're eligible under a specific situation or guaranteed issue right (when an insurance company can't deny you a Medigap policy).

How to avoid Medigap underwriting?

You can enroll in a Medigap plan without going through medical underwriting (in other words, without having to answer any medical questions) if you enrolled in a Medicare Advantage (MA) plan when you first became eligible for Medicare at age 65 and then decided a Medicare Advantage plan was not for you.

Can I switch from an Advantage plan to a Medigap plan during open enrollment?

Yes, you can attempt to switch from Medicare Advantage to Medigap during open enrollment, but you may face denials or higher costs compared to Medicare Advantage costs. You must disenroll in Medicare Advantage, enroll in Original Medicare, and apply for Medigap.

Can I change my Medicare plan during open enrollment?

If you are currently enrolled in a Medicare Advantage plan and would like to switch to traditional Medicare, or switch to another Medicare Advantage plan, you may do so during the Medicare Open Enrollment period, which runs from October 15 through December 7 each year, or during the second Open Enrollment Period just ...

Can I Switch My Medicare Supplement Plan Anytime? | Changing Medigap Plans

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Can you change plans multiple times during Open Enrollment?

Yes. You can switch to a different plan at any time during Open Enrollment.

What is the 6 month Medigap Open Enrollment period?

You can buy a Medigap policy once you sign up for Medicare.

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This is the 6-month period that starts the first day of the month you're 65 or older and signed up for Part B.

What is the downside to Medigap plans?

There are a couple of cons to consider before choosing a Medigap plan: Premiums: Medigap premiums can be pricey. Coverage: Medicare Supplement plans don't cover everything, so you'd still have to pay out of pocket for things like dental care, vision care and long-term care.

What is the Medigap birthday rule?

Q: What is the "Birthday Rule" and how does it apply to the new Medigap Plans? A: If you already have Medigap insurance, you have 60 days of "open enrollment" following your birthday each year when you can buy a new Medigap policy without a medical screening or a new waiting period.

Why are people leaving Medicare Advantage plans?

Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.

How difficult is it to change Medigap plans?

California, Idaho, Illinois, Nevada, Kentucky, Louisiana, Maryland, Oklahoma, and Oregon, have the Medigap Birthday Rule. If you are currently enrolled in a Medigap plan, you can change to a different Medigap plan each year around your birth month with no medical questions asked using a state-specific birthday rule.

Can you be denied Medigap coverage during open enrollment?

You can buy any Medigap policy sold in your state. An insurance company can't use medical underwriting to decide whether to accept your application - they can't deny you coverage due to pre-existing health problems.

Does Medigap Plan G require underwriting?

There is only underwriting if you initially sign up for Medicare Advantage and then after your trial period want to switch to a supplement plan such as Plan G. If you initially sign up for Plan G there is no underwriting in Year 2 or any other year to stay on it.

How can we avoid Medigap underwriting?

If you have “guaranteed issue rights” or a “trial right,” an insurance company is required to sell you a Medigap policy and cover all of your pre-existing conditions without charging you more. This means you're not subject to medical underwriting.

Can Medigap deny preexisting conditions?

Under current federal law, insurance companies that sell Medigap policies may refuse to sell a policy to an applicant with certain medical conditions, or who has had certain medical procedures or used specific prescription drugs, outside of open enrollment or a guaranteed issue period.

What are the top 5 medicare supplement plans?

💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.

Which state has a birthday rule that allows Medigap policyholders to switch carriers without underwriting?

Oregon and California

In these states, beneficiaries can change to another Medigap plan with equal or lesser coverage every year around their birthday without underwriting. The enrollment period in Oregon begins 30 days before your birthday and lasts for 30 days after your birthday.

Can you have two Medigap plans?

While the short answer is no — by law, Medigap insurance providers are not allowed to sell more than one such plan to any one beneficiary — it's important to understand how these Medicare supplement plans work so you can make the best decision for your financial and health care needs.

Can you be turned down for Medigap?

If you have or had health problems, you may not be able to buy the Medigap plan of your choice unless you are in open enrollment or a guarantee-issue period. It is important to understand these times because they allow you to get a Medigap plan when a company might otherwise refuse to sell you one (due to your health).

Is Medigap being phased out?

For example, Medigap plans C and F will no longer be available to new Medicare recipients after January 1st, 2020.

What plan G does not cover?

High deductible plan G does not cover the Medicare Part B deductible. However, high deductible F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible. 2Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.

Why is it not a good idea to have supplemental insurance?

One of the most significant drawbacks of supplemental insurance policies is the coverage limits. For instance, with Mechanical Repair Coverage, you'll typically need to pay out of pocket until your deductible is met on your primary policy before supplemental insurance takes over to cover a costly vehicle repair.

Can I change my Medigap plan anytime during the year?

You can't drop or switch Medigap policies right now.

You can change how you get your coverage during the Medicare Open Enrollment Period each year, or at other times if you qualify for a Special Enrollment Period.

What 3 states allow year-round enrollment in Medigap?

The four states with year-round open enrollment are:
  • New York.
  • Connecticut.
  • Vermont.
  • Washington.
  • Oklahoma.

Which states have guaranteed issues for Medigap?

State laws can provide further protections, but only four states— Connecticut, Massachusetts, Maine, and New York—require either continuous or annual guaranteed issue protections for Medigap for all beneficiaries in traditional Medicare ages 65 and older, regardless of their medical history.