Why and when to Change your Medicare Plan in Palm Beach Gardens.

These are the top reasons to change your Medicare plan.

1) Your health has changed. As a result, you need a plan with extra coverage.

2) You want to lower your prescription drug costs. You have a new medicine that isn’t covered by your plan. Another reason is your current medication’s price is now much higher.

3) One or more of your providers is no longer in the plan’s network. If you are enrolled in an HMO, you usually can’t see a provider out of the plan’s network. If you are in a PPO, you can see a provider out of network, but your costs will be much higher.

4) You found a lower cost Medicare Advantage plan with more supplemental benefits, such as higher coverage for dental.

5) You just moved out of your Medicare Advantage plan’s service area.

6) You now qualify for Medicaid and want to enroll in a Special Medicare plan for Medicaid beneficiaries.

7) You have a Chronic Condition and want to enroll in a Special Chronic Condition Medicare plan.

When and how to Change your Medicare Plan

If you are enrolled in a Medicare Supplement plan. You can apply to change to another Medicare Supplement Plan anytime during the year. Keep in mind that unless you are in your Guaranteed Enrollment Period or Open Enrollment period, the plan will review your medical records, also called Medical Underwriting. If they do, you may not be accepted by the insurance company.

On the other hand, in order to change your Medicare Advantage plan, you need to qualify for a Special Medicare Enrollment period. If you don’t, you will have to wait until the Annual Enrollment Period which is from October 15-December 7, 2026.

For free help reviewing your Medicare Plan choices in Palm Beach Gardens, Call Renee Lempert, Expert Medicare Insurance broker (561) 704-9302