Changing Medigap Plans
Changing Medigap Plans is not impossible. Medigap plans (Also called Medicare Supplements) can be changed the first of any month in Connecticut. This change can be made internally from one Medigap to anther in the same company. You can also change from one company to a different company. This is allowed because Connecticut is considered a guaranteed issue state for the Medigap plans.
As a quick example, if someone is in an AARP plan F and wants to move to an AARP plan N supplement, they may do so the first of any month. Likewise, if they want to move from an AARP supplement over to an Anthem BCBS supplement, they may do this as well. Again, the change will take place the first day of the following month.
People often confuse the rules regarding Medicare Advantage and Stand Alone Part D plans with Medigap plans. The rules for making changes (Nov 15th to Dec 7th for a Jan 1 change) only apply to Advantage and Part D plans. These rules do not include the Medicare supplement plans.
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Do not let health insurance scare you. Crowe and Associates is here to help you to choose a plan that suits both your medical needs and your budget.
If you have any health care coverage needs or questions, please contact us. You can reach us either by phone at (203)796-5403 or by email at admin@croweandassociates.com. We are also available to help you with investment opportunities or questions.