Medigap Plans can be changed, but only by you. Neither the state nor insurers have the power to alter your benefits. As long as you keep making your monthly payments, your Medigap plan will automatically renew with the same benefits. You can, however, switch your coverage if you desire. If you need help switching Medigap policies, you’re in the right place.
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Can Government Change Medigap Plans?
The government can alter Medicare Supplement plan rules or benefits. However, if you’ve purchased a plan with certain benefits, it usually won’t change for you as long as you keep making monthly payments. If the government terminates a plan, as happened in 2020 with “C” and “F” plans, existing members can typically continue to use them for as long as they like.
Can I Change My Medigap Plan?
Yes. You are allowed to change plans. If you’re unhappy with high premiums, paying for unused benefits, or dissatisfied with your current insurer, you can switch. If you wish to switch Medigap plans, you can start the process at any time, but may undergo medical underwriting. For more details, read our article “Switching Medigap Plans? Here Are Your Options“.
If you live in a state that offers a Medigap Birthday Rule or Medigap Anniversary rule, you can switch plans every year without having to answer medical questions, but there is a catch: you must do it during designated switching times, and your choices may be limited. See Our Ultimate Guide to the Medigap Birthday Rule State by State.
Additionally, your options depend on your current plan. For instance, if you have Plan “B,” you may be only able to switch to a similar plan. Read more in our “Medicare Insurance Switching: Ultimate Guide.” (Source)
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Next Step to Change Medigap Plans
It’s a fact, you can change your Medigap plan. If you’re considering a switch, reach out Senior65.com by phone or apply online. Even with preexisting conditions or approval doubts, we’re here to support your transition. Just give us a call. There are no extra fees and we’re here to help.