No, you can’t switch Medicare Advantage plans whenever you want. But you do have options if you’re unhappy with your plan.
You can jump to another plan or drop your Medicare Advantage plan and change to original Medicare during certain times each year. You may be eligible to change plans at other times, too. Keep these periods in mind if you want to see doctors or use medications that aren’t covered under your Medicare Advantage plan.
Everyone with Medicare Advantage has two opportunities to change plans each year.
Oct. 15 to Dec. 7. You have many options to change coverage during this annual open enrollment period. You can switch to a different Medicare Advantage plan, change from a Medicare Advantage plan to original Medicare and vice versa, or switch from one Part D drug plan to another. Coverage in the new plan begins Jan. 1.
Jan. 1 to March 31. If you have a Medicare Advantage plan, you can switch to another Medicare Advantage plan, or change from Medicare Advantage to original Medicare and join a Part D plan during this Medicare Advantage open enrollment period. Coverage begins the first day of the month after you switch.
Changing Medicare Advantage plans after open enrollment
In certain situations, you may be able to change Medicare Advantage plans after these open enrollment periods.