Medicare Made Clearby Divine Path Financial

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Timing

Changing Plans

When and how to switch between Original Medicare, Advantage, and Part D plans.

You can change Medicare plans during certain windows: AEP (Oct 15 – Dec 7), the Medicare Advantage OEP (Jan 1 – Mar 31), and Special Enrollment Periods for qualifying events.

Key points

Compare formularies, provider networks, and total yearly cost — not just premium.
Switching from Advantage back to Original Medicare + Medigap can involve medical underwriting after your initial window.
Prescription needs change; so should your plan review each year.

Common questions

Can I change my plan later?
Yes — during Annual Enrollment (Oct 15 – Dec 7), the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31), or after a qualifying life event.

Next steps

Annual Enrollment →Medigap →Ask about changing plans →

Related topics

Special Enrollment Periods

Life events that let you enroll or change plans outside AEP.

Annual Enrollment

October 15 – December 7. Compare, switch, or stay.

Open Enrollment

The Medicare Advantage Open Enrollment Period (Jan 1 – March 31).

Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.