Free Medicare Supplement Quote

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Frequently Asked Questions

Can I switch to a different Medicare Supplement policy?

Yes. In most cases, you won’t have a right under Federal law to switch Medicare Supplement policies, unless you’re within your 6 month Medicare open enrollment period or are eligible under a specific circumstance for guaranteed issue rights. But, if your state has more generous requirements, or the insurance company is willing to sell you a Medicare Supplement policy, make sure you compare benefits and premiums before switching. If you bought your Medicare Supplement policy before 2010, it may offer coverage that isn’t available in a newer Medicare Supplement policy. On the other hand, Medicare Supplement policies bought before 1992 might not be guaranteed renewable and might have bigger premium increases than newer, standardized Medicare Supplement policies currently being sold.

If you decide to switch, don’t cancel your first Medicare Supplement policy until you have decided to keep the second Medicare Supplement policy. On the application for the new Medicare Supplement policy, you will have to agree to cancel your first Medicare Supplement policy. You have 30 days to decide if you want to keep the new Medicare Supplement policy. This is called your “free look period.” The 30 day free look period starts when you get your new Medicare Supplement policy. You will need to pay both premiums for one month.


Do I have to switch Medicare Supplement policies if I have an older Medicare Supplement policy?

No. If you buy a new Medicare Supplement policy, you have to give up your old policy (except for your 30-day “free look period,”). Once you cancel the policy, you can’t get it back, and it can no longer be sold because it isn’t a standardized policy.

Do I have to wait a certain length of time after I buy my first Medicare Supplement policy before I can switch to a different Medicare Supplement policy?

No. You should be aware that if you’ve had your old Medicare Supplement policy for less than 6 months, the Medicare Supplement insurance company may be able to make you wait up to 6 months for coverage of a pre-existing condition. However, if your old Medicare Supplement policy had the same benefits, and you had it for 6 months or more, the new insurance company can’t exclude your pre-existing condition. If you’ve had your Medicare Supplement policy less than 6 months, the number of months you’ve had your current Medicare Supplement policy must be subtracted from the time you must wait before your new Medicare Supplement policy covers your preexisting condition.

If the new Medicare Supplement policy has a benefit that isn’t in your current Medicare Supplement policy, you may still have to wait up to 6 months before that benefit will be covered, regardless of how long you have had your current Medicare Supplement policy. If you have had your current Medicare Supplement policy longer than 6 months and want to replace it with a new one with the same benefits and the insurance company agrees to issue the new policy, they can’t write pre-existing conditions, waiting periods, elimination periods, or probationary periods into the replacement policy.

Why would I want to switch to a different Medicare Supplement policy?

Some reasons for switching may include the following:

  • Your current Medicare Supplement policy has the right benefits, but you want to find a policy that is less expensive.
  • You’re paying for benefits you don’t need.
  • You need more benefits than you needed before.
  • Your current Medicare Supplement policy has the right benefits, but you want to change your insurance company.
It’s important to compare the benefits in your current Medicare Supplement policy to the benefits with a new policy. If you decide to change insurance companies, you can call the new insurance company and arrange to apply for your new Medicare Supplement policy. If your application is accepted, call your current insurance company, and ask to have your coverage end. The insurance company can tell you how to submit a request to end your coverage.

Can my Medicare Supplement insurance company drop me?

It Depends. If you bought your Medicare Supplement policy after 1992, in most cases the Medicare Supplement insurance company can’t drop you because the Medicare Supplement policy is guaranteed renewable. This means your insurance company can’t drop you unless one of the following happens:
  • You stop paying your premium.
  • You weren’t truthful on the Medicare Supplement policy application.
  • The insurance company becomes bankrupt or insolvent.
However, if you bought your Medicare Supplement policy before 1992, it might not be guaranteed renewable. This means the Medicare Supplement insurance company can refuse to renew the Medicare Supplement policy, as long as it gets the state’s approval to cancel your Medicare Supplement policy. If this does happen, you have the right to buy another Medicare Supplement policy.