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Life is constantly changing, and the protection you chose when you first enrolled in Medicare may no longer be the best option for you. You may be preparing for surgery, evolving your lifestyle, or making adjustments to your budget to effectively manage healthcare costs.

Whatever the possible explanation, whether you're ready to look into new Medicare choices, you might be able to change to a different plan.

When can you change Medicare plans?

The ideal time to swap your Medicare plan is ascertained by your situation and the type of coverage you have. Examine the enlistment durations and special circumstances listed below to determine the best time to make the change.

Users can implement alterations to their Medicare program for the following year during AEP each year. You may:

  • Replace it with a distinct Medicare Advantage, Medicare Cost, or Part D plan.
  • First-time enrollment in a Medicare Advantage, Medicare Cost, or self-contained Part D plan.
  • Revert to Original Medicare if you have a Medicare Advantage, Medicare Cost, or standalone Part D plan. After that, users can apply for a Medicare Supplement plan.

If you have a Medicare Advantage plan, you can do the following during the yearly Medicare Advantage Open Enrollment:

  • Switch to a different Medicare Advantage plan
  • Drop your Medicare Advantage plan and go back to your original Medicare. You can then choose to apply for a Medicare Supplement plan or a standalone Part D plan.

Individuals can matriculate in a plan which manages to combine your protection if they do have Medicaid (called Medical Assistance in Minnesota) and are eligible for Medicare Parts A and B. This strategy is known as Minnesota Senior Health Options (MSHO) in Minnesota, and it includes medical, Part D prescription drug, dental, and long-term care insurance, as well as extra benefits.

You can enroll in or change an MSHO plan:

  • When you become eligible for both Medical Assistance and Original Medicare (Parts A and B),
  • Once each quarter (January through September),
  • During annual open enrollment (October 15 through December 7),

In most cases, the strategy will go into effect on the first of the 30 days since you enrolled. If you enlist during the Annual Enrollment Period, one plan will go into effect on January 1 of the following year.

Certain life circumstances could qualify you for a special enrollment period during which you can alter your Medicare Advantage, Medicare Cost, Medicare Supplement, or self-contained Part D plan. These are some instances of such occurrences:


  • Choose a 5-Star plan, such as our Medicare Additional benefit and Cost proposals, which received a total Medicare Star Rating of 5 out of 5 for 2022 – the highest possible score.
  • Leaving your existing plan's service area
  • Your plan is terminating, ceasing to serve your area, or significantly reducing its own provider network.
  • Eligibility for Medicare Extra Aid assistance



By Medicare | Jan 25 2022

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