Can I Change My Medicare Plan Mid-Year?


AIS Medicare & More

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Posted on

Mar 15, 2023


Colorado - Colorado Springs

You can’t switch Medicare Advantage plans whenever you want, but you may have options if you’re unhappy with your plan. Everyone with a Medicare Advantage plan has two opportunities to change plans each year - the Annual Enrollment Period from October 15th to December 7th and the Open Enrollment Period from January 1st to March 31st.

After March 31st changing plans is a little trickier and requires a Special Enrollment Period. Special Enrollment Periods include trial right, 5-Star plan, moving, loss of coverage, plan withdrawal, duplicate coverage, moving into or out or a care facility, qualifying for state or federal assistance with Medicare premiums, a mistake was made on your enrollment, a disaster prevented you from making plan changes and many other enrollment periods based on specific situations that may apply to you.

Licensed agents can help you determine if a special enrollment period applies to you. They can help you determine if you are eligible for a midyear change or if it is best to change plans during the annual enrollment period.

If you want to switch from Medicare Advantage to Medigap there are special considerations and fewer special enrollment periods. Even though you can leave a Medicare Advantage plan and switch to original Medicare during open enrollment and at other times, you may not have a guaranteed right to buy a Medigap policy as they can require underwriting and can decline to provide you with coverage.  Keep in mind that disenrolling from the Medicare Advantage plan may not open an enrollment period to purchase a prescription drug plan midyear, so making the change from Medicare Advantage to Medigap is often done during the annual enrollment period.

If you are considering a plan change, seek advice from a licensed professional just to be sure you are eligible to make the change, you will not be left without coverage, and you qualify for the coverage you are wanting to switch to.

Editor’s Note: This article was submitted by Jolynn Allen, of AIS Medicare & More.  She may be reached at 719-404-3202, or by email at

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AIS Medicare & More

Medicare Advantage Plans 3030 N Hancock, Colorado Springs, Colorado, 80907

AIS Medicare & More has been serving Southern Colorado seniors since 2008. We have started to spread all throughout Colorado, to broaden our reach and help more Colorado seniors. Our complimentary Medicare appointments are available in office, at your home, by phone or by computer. We believe in educating you about your Medicare options and both Medicare systems, so you can make an educated and informed decision that meets both your health insurance needs and fits your budget. Our agents are with you for life. We provide annual policy reviews, lifetime claims service, account management and prefer if you call us not the carriers. We want to know what is going on in order to better assist you with any of your needs in the future. We help you with State and Federal programs, Medicare Savings Reimbursement, Extra Help, Pharmaceutical Assistance Programs, Veterans Programs, Long Term Care Medicaid and more. By combining all of the programs available to you with your Medicare plan benefits, we can improve your overall coverage and reduce your out of pocket expenses. We are on your team! We want to ensure that you are taking advantage of all of the benefits available for you.