If you have a stand-alone Part D drug plan, you almost certainly have a Medicare Supplement (Medigap) too — and the two work very differently when you want to make a change. Here are the questions we hear most, in plain English.
Your Part D drug plan you can change every fall, no questions asked.
Your Supplement is different. To switch to a new one, you usually have to pass medical underwriting — health questions on the application. The company can charge you more, or turn you down, based on your health. There are exceptions (your state may give you a yearly window, and certain situations are "guaranteed issue") — and that's exactly what this page helps you sort out.
The rules for switching without health questions are set by each state. Pick yours to see what applies.
Tap a question to open the answer.
Start with your state below. Depending on where you live, you may be able to switch with no health questions — or you may need to pass underwriting, and we'll help you gauge that.
Private by design: this runs entirely on your own screen. Nothing you tap here is saved, sent, or seen by anyone — it's just a guide, not a decision.
Here for your Part D drug plan instead? That one you can review and change yourself every fall. Open the Part D open-enrollment guide →
Prefer a neutral source? Medicare's own help line, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), is free and open 24/7, and your state's SHIP counselors give free, one-on-one help with no sales.
The Elfand Group · Educational information only, not medical or insurance advice · Not connected with or endorsed by the U.S. government or the federal Medicare program · State rules change; confirm your current options before making any change.