The primary time for everyone with Medicare to make changes is during the Annual Enrollment Period (AEP), which runs from October 15th to December 7th each year. During this window, you can switch from one Medicare Advantage plan to another, change your Part D drug plan, or switch from Original Medicare to a Medicare Advantage plan (and vice-versa).

Even if you like your current plan, it's very important to review it annually because the plan itself is likely changing. Every year, insurance companies can change a plan's monthly premium, co-pays, drug formulary, and even its network of doctors and hospitals. A quick annual review ensures you aren't surprised by higher costs or coverage gaps in the new year.

The process is simpler than you might think. As your broker, we first help you compare all the new plan options in Stuart or Palm City to find the one that best fits your needs and budget for the upcoming year. Once you've made a choice, we handle submitting the new application for you. You don't need to cancel your old plan—enrolling in the new one will automatically disenroll you from your previous plan, effective January 1st.

Yes, you can make this change during the Annual Enrollment Period. However, this is a very important point: in most states, when you switch back to Original Medicare after your initial eligibility window, you may have to answer health questions and go through medical underwriting to be approved for a Medigap plan. This is not guaranteed. We can help you understand the specific rules and see if this is a viable option for you.