Already on Medicare? You May Not Be Stuck.
Many people believe:
“Once you’re on Medicare, you can’t change.”
That’s not always true.
Changes depend on timing and circumstances.
When Can You Change Medicare Plans?
Annual Enrollment Period (AEP)
October 15 – December 7
Changes effective January 1
Medicare Advantage Open Enrollment (OEP)
January 1–March 31
One-time change for those already on Medicare Advantage
Special Enrollment Periods (SEPs)
Qualifying life events may allow changes:
- Moving
- Losing coverage
- Plan changes
- Medicaid or Extra Help eligibility changes
Medicare Supplement (Medigap) Changes
In Texas, you may apply anytime, but you most likely will have to answer health questions. In rare cases you may qualify for guaranteed issue.
Common Reasons People Request Reviews
- Doctor left network
- Prescriptions not covered
- Increased out-of-pocket costs
- Confusion about benefits
- Unsure if change is allowed
- Medigap premiums rising
Before switching plans, find out If a change is allowed.
Start with clarity. If you prefer learning through video, this short clip explains the options available if you are already enrolled in Medicare.
Have questions about your specific situation?
Ask a Medicare Question
Serving Houston and all of Texas.