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Once you have enrolled in Medicare, you do have the right to review your plan selections and make changes each year. From October 15 to December 7, you can take advantage of the Annual Election Period to make changes to Part C (Advantage) or Part D (prescription) plans.
At this time, you can:
In the event that you change your mind about a Medicare Advantage Plan for any reason, the Medicare Advantage Open Enrollment Period from January 1 to March 31 gives you the opportunity to make changes.
Yes, you can drop a Medicare Advantage plan and return to Original Medicare, but don’t count on a Medigap plan if that is your intention. Remember that carriers will screen you and can choose not to enroll you.
In certain situations, such as a move or loss of coverage, you might qualify for a two-month Special Enrollment Period. During this time you can make changes to your Medicare plan(s).
For example, moving from one geographic area to another might qualify you for a Special Enrollment Period, if your network is not available at your new home.
During your SEP, you can switch to a new Medicare Advantage plan or Part D plan, or return to Original Medicare without penalty. In some situations you might also be able to enroll in a Medigap plan without the requirement for medical underwriting (called guaranteed issue rights).
If you believe you might qualify for a Special Enrollment Period, you should contact your plan administrator as soon as possible after the qualifying event. We can assist you with this process.
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