Key Takeaways

• Switching from Medicare Advantage to a Medicare Supplement plan is possible, but not always guaranteed without medical underwriting unless you meet specific timing rules.

• The best window to make this change without being denied coverage due to health reasons is during the 12-month Medicare Advantage Trial Right or when you first turn 65.

Why People Consider Switching

Medicare Advantage (Part C) plans can offer convenience, but they also come with network restrictions, prior authorizations, and unpredictable out-of-pocket costs. If you’ve realized that freedom to see any provider who accepts Medicare is more important, or you’re concerned about rising copays, you may be looking to switch to a Medicare Supplement (Medigap) plan.

But the switch isn’t always straightforward.

Understanding Medicare Supplement Basics

A Medicare Supplement plan helps pay the out-of-pocket costs that Original Medicare doesn’t cover—such as deductibles, copayments, and coinsurance. These plans work alongside Original Medicare and don’t replace it. Importantly:

• You can see any doctor or specialist in the U.S. who accepts Medicare.

• There are no referrals needed.

• Coverage is standardized by letter plans (like Plan G or Plan N), but benefits vary slightly.

The Challenge: Medical Underwriting

The biggest barrier to switching is medical underwriting. Unless you qualify for guaranteed issue rights (which we’ll discuss), most insurers require you to answer health questions. Based on your answers, they can:

• Deny your application

• Charge you more

• Impose waiting periods for preexisting conditions

This makes timing your switch critical.

When You Can Switch Without Underwriting

1. Medicare Advantage Trial Right

If this is your first time ever enrolling in a Medicare Advantage plan, and it has been less than 12 months, you may have a one-time right to return to Original Medicare and purchase a Medigap plan with guaranteed acceptance, even if you have health conditions.

2. Turning 65 and New to Medicare

When you first become eligible for Medicare at age 65, you get a 6-month Medigap Open Enrollment Period starting the month you are enrolled in Part B. During this window:

• You can enroll in any Medicare Supplement plan available in your state.

• No medical questions are asked.

• Your acceptance is guaranteed.

This is often the best time to secure a Supplement plan, even if you initially opt for Advantage.

3. State-Specific Rules

Some states have additional protections, such as annual birthday rules or open enrollment periods for Medigap that allow switching with fewer restrictions. However, these are not uniform nationwide, so it’s important to check your state’s specific laws.

What the Switching Process Looks Like

Switching from a Medicare Advantage plan to a Supplement plan involves a series of coordinated steps:

Step 1: Apply for the Supplement Plan

Don’t cancel your Medicare Advantage plan yet. First, apply for the Medicare Supplement plan you want. Wait for confirmation that you’ve been approved—especially if underwriting is required.

Step 2: Enroll in a Standalone Part D Plan (If Needed)

Medigap plans do not include prescription drug coverage. If you drop your Medicare Advantage plan, which likely includes drug coverage, you’ll need to sign up for a separate Medicare Part D plan. Make sure there is no gap in your drug coverage.

Step 3: Disenroll from Medicare Advantage

Once your Supplement and drug plans are confirmed, contact Medicare or your Medicare Advantage plan provider to disenroll. You can only do this during specific times:

• Medicare Advantage Open Enrollment Period: January 1 to March 31 each year

• Annual Enrollment Period: October 15 to December 7

• Special Enrollment Periods: Triggered by certain life events

Plan your exit carefully to avoid coverage lapses.

What You Might Gain

By switching to a Medicare Supplement plan, you may benefit from:

• Nationwide provider access

• Predictable costs

• Fewer prior authorization requirements

• Coverage consistency from year to year

For those with chronic conditions or who frequently travel, these advantages often outweigh the simplicity Medicare Advantage once promised.

What You Might Lose

Before switching, consider what you’re giving up:

• Extras like dental, vision, hearing, or wellness benefits are typically included in Medicare Advantage but not in Medigap.

• Out-of-pocket costs for Medigap plans tend to be more predictable but may also involve higher premiums.

• You may not be able to re-enroll in a Medicare Advantage plan with the same terms if you change your mind later.

The Importance of Prescription Drug Coverage

Failing to sign up for a Part D plan after dropping Advantage can leave you exposed to significant medication costs—and a late enrollment penalty that stays with you permanently. If you plan to switch, ensure you:

• Enroll in a Part D plan during your eligible window

• Review the plan’s formulary to match your prescriptions

Enrollment Timing in 2025

As of 2025, the key Medicare enrollment periods remain:

• Medicare Advantage Open Enrollment: January 1 – March 31

• Fall Open Enrollment (AEP): October 15 – December 7

• Medigap Open Enrollment: 6 months from the start of your Part B coverage

• Special Enrollment Periods (SEPs): Ongoing, based on qualifying events

If you’re outside these windows, and don’t qualify for Trial Right or a SEP, you may need to wait—and be subject to medical underwriting.

Questions to Ask Before Making the Switch

To make an informed decision, ask yourself:

• Do I qualify for guaranteed issue rights?

• Am I within a switching period?

• Can I afford potentially higher premiums for Medigap?

• Do I understand the drug coverage gap and need for Part D?

• Have I verified provider access under Original Medicare?

Each of these factors can significantly affect the quality and cost of your care.

Talking to a Professional Can Help

The complexity of switching means it’s wise to get personalized advice. A licensed agent can:

• Review your eligibility for guaranteed enrollment

• Explain timelines

• Help you apply strategically

• Recommend Part D plans that complement your Medigap coverage

They can also ensure you aren’t exposed to late penalties or unnecessary gaps in care.

Changing Plans Can Reshape Your Coverage—But Timing Is Everything

Making the switch from Medicare Advantage to a Medicare Supplement plan in 2025 can open the door to broader access and cost stability—but only if you understand the timelines, requirements, and consequences. Whether you’re newly eligible or reassessing your plan, making a thoughtful move matters.

If you’re considering a switch, now is the right time to speak with a licensed agent listed on this website to explore your personalized options and next steps.