How can I change my Medicare Part D plan?
Asked by: Liliane Funk | Last update: September 20, 2025Score: 4.7/5 (27 votes)
Can you change Medicare Part D plans at any time?
Most people with Medicare Part D are allowed to switch plans once a year, during the Open Enrollment Period Oct. 15 - Dec. 7. Learn more about Open Enrollment and other situations that may allow you to change your Part D drug plan.
Can you use GoodRx if you have Medicare Part D?
Yes, You Can Use GoodRx If You Have Medicare. Key takeaways: GoodRx can't be used in combination with Medicare, but it can be used in place of Medicare.
Is there a penalty for switching Medicare plans?
There is no penalty for switching from Medicare Advantage to Original Medicare. And, if you decide you want to switch again, there's also no penalty to switch from Original Medicare to Medicare Advantage. You can switch between the two types of coverage as many times as you want.
Can I change my Medicare supplement plan at any time?
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.
How Medicare Part D Works (2025)
What is the most popular Medicare Supplement plan?
There are 10 different types of Medigap policies (labeled A through N), each having a different, standardized set of benefits (Appendix Table 3). Plan G is the most popular Medigap policy, accounting for 39% of all policyholders, or nearly 5.3 million people, in 2023 (Figure 3).
Is it easy to change Medicare plans?
Medicare provides certain time periods when you can change Medicare plans. The main one is the Medicare Annual Enrollment Period, which runs from October 15 to December 7 each year. Anyone on Medicare can make coverage changes during this time that then go into effect the following year.
How do I get my Part D penalty waived?
- C2C Innovative Solutions Toll free fax: (833) 946-1912.
- Part D LEP Reconsiderations Customer Service: 833-919-0198.
- PO Box 44165.
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.
Can I drop my employer health insurance and go on Medicare Part B?
Once you stop working (or lose your health insurance, if that happens first) you have an 8-month Special Enrollment Period (SEP) when you can sign up for Medicare (or add Part B to existing Part A coverage).
What is a preferred pharmacy in Medicare Part D?
If your plan has “preferred in-network pharmacies,” they may save you money on your out-of-pocket drug costs (like a copayment or coinsurance) because they have agreed to charge less than other pharmacies in your plan's network.
Is Medicare Part D mandatory?
Enrollment in Part D is generally voluntary, however, some people are required to be enrolled, and others should not enroll.
Can I use a prescription discount card with Medicare Part D?
Prescription discount cards are available through some companies and organizations. You may pay a small yearly fee to get a card. You can check online or ask your pharmacist for prescription discount cards that may be available to you. Be aware that these cards cannot be used in conjunction with your plan benefits.
What is the most popular Part D drug plan?
The best Medicare Part D provider is Aetna. It has top ratings from the Centers for Medicare & Medicaid Services and affordable premiums. Other great providers include Wellcare and UnitedHealthcare.
What drugs does Medicare not pay for?
- Drugs used to treat anorexia, weight loss, or weight gain. ...
- Fertility drugs.
- Drugs used for cosmetic purposes or hair growth. ...
- Drugs that are only for the relief of cold or cough symptoms.
- Drugs used to treat erectile dysfunction.
Why is Humana losing Medicare Advantage plans?
To protect profits, Humana and its peers in MA slashed their plans for 2025, cutting benefits and exiting underperforming markets. Plans appear to have focused cuts around supplemental benefits like over-the-counter and flex cards, which give seniors funds to spend on eligible items.
Why are seniors losing Medicare Advantage plans?
Medicare vs Privatized Medicare Advantage
Beneficiaries are tossed aside because they live in an unprofitable market for their insurer or because they are actually using the insurance they signed up for to access services.
Which company has the best Medicare Advantage plan?
- Best Overall, Best for Low Costs: Cigna.
- Also Great for Low Costs: Alignment Health.
- Best for Nationwide Coverage: Aetna.
- Best for Patient Experience, Best for Drug Coverage: Kaiser Permanente.
- Best for Special Needs Plans: Humana.
Why do doctors not like Medicare Advantage plans?
Across the country, provider grumbling about claim denials and onerous preapproval requirements by Advantage plans is crescendoing. Some hospitals and physician practices are so fed up they're refusing to accept the plans — even big ones like those offered by UnitedHealthcare and Humana.
Can Medicare Part D be free?
No, Medicare Part D isn't free. But in 2025, at least one $0-premium plan is available in 43 states, Washington, D.C., and Puerto Rico. Most plans do have a monthly premium. And all plans have other costs beyond premiums, such as copays, coinsurance and deductibles.
Can I cancel my Part D drug plan?
As a Medicare beneficiary and a plan member, you have the right to request disenrollment from your Medicare Part D prescription drug plan.
Is Part D penalty for life?
How long does the Part D penalty last? In most cases, the Part D penalty is permanent. You'll generally have to pay the penalty as long as you have Medicare drug coverage. Even if you choose to join another Medicare Part D plan, you'll still pay the penalty with the new plan.
How to change Medicare Part D plan?
You can switch plans by calling 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
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.
Are there any 5 star Medicare Advantage plans?
"There isn't one Medicare Advantage plan that's the highest-rated; there are multiple plans that get an overall rating of 5 stars, which is the highest rating from CMS.