Key Takeaways

  • Is it too late to change Medicare plans? Most coverage changes must be done during the Open Enrollment period each year.

  • If you’ve chosen the wrong plan by accident, you may be able to disenroll from that plan and enroll in a new one.

  • A Medicare representative can help you determine if you qualify to make changes to your plan outside of Open Enrollment.

You might be wondering “Should I switch Medicare plans?” or “Can I change my Medicare plan at any time?”

In most cases, the time to make changes to your Medicare coverage is during Open Enrollment, which takes place October 15th - December 7 every year. During this timeframe, you can re-evaluate, add, drop, or switch your Medicare Advantage/Part C and/or Part D plan and compare it against all the others on the market.

However, there are some exceptions.

If you are enrolled in the wrong Medicare plan by mistake or after receiving misleading information, you may be able to disenroll from the plan and enroll in a new plan that is a better fit for your needs.

There are a few scenarios where you have a right to change plans:

  • You enrolled in a plan unintentionally
  • You enrolled in a plan based on incorrect or misleading information
  • You accidentally enrolled in the same plan or stayed in a plan you didn't want

If you want to know “Is it too late to change Medicare plans?” and believe you fall within these scenarios above, help is available. Contact 1-800-MEDICARE to request a retroactive disenrollment or a Special Enrollment Period. Medicare representatives can help you understand your options for making changes.

Have questions about your current Medicare plan?

Does Medicare cover cataract surgery? Are Medicare Advantage plans worth it? Get your questions answered by connecting  with a licensed Medicare broker that meets NCOA’s Standards of Excellence. Our broker options are committed to serving your Medicare selection needs and priorities, including helping you understand all of your options, at no cost to you.