Can a beneficiary change their Medicare Supplement Plan at any time?

Beneficiaries can indeed change their Medicare Supplement Plan at any time, but when doing so outside of the open enrollment period, they may need to undergo medical underwriting. This process involves the insurance company evaluating the individual's medical history to determine eligibility and premium rates for the new plan. Open enrollment provides a more straightforward transition where beneficiaries can switch plans without the need for medical underwriting, making it a time when changing plans is most beneficial and usually recommended.

While individuals have the ability to switch plans outside of open enrollment, the requirement for medical underwriting can pose a challenge if a beneficiary has health issues. This situation can limit their options, as some insurers might deny coverage based on pre-existing conditions or charge higher premiums.

Other choices suggest restrictions or time frames that do not accurately reflect the flexibility beneficiaries actually have regarding plan changes beyond open enrollment.