Updated for plan year 2026 on 2026-07-25
Can I switch from Medicare Advantage to Medigap?
You may be able to switch, but Medigap approval can involve health underwriting unless you have a protected right. Timing and state rules matter.
What to check before you choose
Medicare choices depend on your dates, county, prescriptions, doctors, pharmacies, and how much risk you are comfortable carrying during the year.
- Confirm the beneficiary's Medicare effective dates, county, prescriptions, doctors, and coverage goals.
- Separate general education from plan-specific recommendations and document consent before marketing discussions.
- Check current plan-year rules, premiums, formularies, pharmacy pricing, networks, and enrollment-window eligibility.