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An Independent Medicare Health Insurance Agency

844-844-6565

Can I change my Medicare Supplement or Medigap policy during Open Enrollment?

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Can I change my Medicare Supplement or Medigap policy during Open Enrollment?

Want to drop your Medicare Part D Prescription Drug + Medicare Supplement plan and go to an all-in-one Medicare Advantage plan during the AEP between October 15 and December 7 of each year? No problem! Want to switch back later? Potentially a big problem! You can do this only once, and you can only do this within twelve months of such a switch, and you’ll have to use a Special Enrollment exception to do it. This is called your “Trial Right” period. If you miss the window, you’ll most likely be asked health questions and possibly be denied coverage if you want to re-sign up for a Medicare Supplement plan. Several states may have their own special rules. Again, I’d recommend not doing this until you talk to a representative from a Medicare Supplement insurance company or a Medicare insurance agent to help guide you through the process. Plan ahead—don’t wait until the AEP starts and decide you want to do this. If you do this, you must call and cancel your Medicare Supplement yourself; the Medicare Advantage company won’t do it for you.

It’s tempting to think you can enroll in a Medicare Advantage plan when you’re sixty-five and keep it for a few years then switch to a Medicare Supplement when you get sick and start to rack up medical bills. Of course, everyone wants the most comprehensive medical insurance coverage when they’re sick, but it doesn’t work that way. That’s why you need to not only think about today but also tomorrow. If you want to buy a Medicare Supplement when you’re already sick, odds are, you’ll be denied coverage, unless you live in a Guarantee Issue state. The only exceptions to this are: If you sign up for a Medicare Advantage plan at sixty-five and want to switch to a Medicare Supplement plan within the first twelve months. You can do this using your “Trial Right” Special Election Period, but it has to be within the first twelve months of having that Medicare Advantage plan.

If you had a Medicare Supplement plan, then switched to a Medicare Advantage plan and want to switch back to a Medicare Supplement plan. You can also do this using your “Trial Right” Special Election Period, but it has to be within the first twelve months of having that Medicare Advantage plan. There are also state-specific Guarantee Issue rules and certain Guarantee Issue Medicare Supplement plans.

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Frequently Asked Questions

Fast, Convenient, & Customized Medicare insurance.

How Does Chicagoland Medicare Get Paid?

Independent Medicare insurance agents and agencies such as Chicagoland Medicare get paid by the insurance companies they represent. The commissions we are paid are already built into the insurance policy you’ve purchased, and there isn’t a way to carve them out of the monthly premium. There is no extra fee for buying a Medicare insurance policy through Chicagoland Medicare, nor will you ever pay a fee for our help.

A local, independent Medicare insurance agent represents multiple carriers so that they can work to give you an unbiased opinion on your Medicare insurance plan options. Chicagoland Medicare agents and agencies are state-licensed, trained, tested and appointed by a hand-selected number of Medicare insurance companies to be able to shop and compare Medicare insurance polices to make sure we find the right fit for you! We explore your healthcare and financial needs and listen to your feelings around options available in your local area. We search for a plan that most closely fits your individual needs and budget.

Is Chicagoland Medicare free? Yes, our services are completely free to you and anything we get paid is paid to us by the Medicare insurance companies.

The monthly premiums you pay for your Medicare insurance policies are exactly the same. You cannot buy a Medicare insurance policy directly from a Medicare insurance company at a lower rate.

We have years of experience selling Medicare insurance in the Chicago area including Illinois, Wisconsin and Indiana.

There are all sorts of differences in the amount of coverage and they type of Medicare insurance coverage you can buy depending on what state and county you live in! Chicagoland Medicare independent Medicare agents have a lot of real-world experience and insight regarding the inner-workings of Medicare insurance companies that you, the consumer, may not have access to, such as Medicare Advantage service areas, Medicare Supplemental (Medigap) annual premium increase trends, application fees, discounts programs and more.

Only independent Medicare insurance agents and agencies like Chicagoland Medicare can offer a variety of plans and an unbiased, multi-company approach so our recommendations are objective unbiased and personalized when we sell you a Medigap, Medicare Advantage or Part D drug plan that’s right for you.

At Chicagoland Medicare, we specialize in Medicare insurance products. Period. We’re not distracted by attempting to sell you life insurance, financial planning services, stocks, bonds or anything else. Medicare insurance is all we do! Unlike many other Medicare insurance agents and brokers, we don’t sell group small business health insurance polices, disability insurance, home or auto insurance. We are a boutique Medicare insurance agency, we like it that way and we’re awesome at what we do.

We only partner with ‘A’ rated, household name, established Medicare insurance companies who offer Medicare Advantage, Medicare Supplement, Medigap and Medicare Part D plans in Illinois, Indiana and Wisconsin.

We do not contract with, nor offer our clients startup, new or state-based, regional Medicare insurance companies. We believe in partnering with established companies for consistency, financial strength and experience.

Sometimes, Medicare insurance agents and agencies try to offer too many different insurance products from too many companies. There are literally thousands of combinations of Medicare insurance plan combinations to choose from in the Chicago area – we choose to focus on a select few of large, reliable, well-established, and financially sound Medicare insurance companies to partner with. Oftentimes, other local Medicare agents and agencies get pulled in too many directions with too many insurance offerings and therefore can’t be as knowledgeable as possible about any carrier or one insurance type over another.

At Chicagoland Medicare, we limit the number of Medicare insurance carriers who have access to our clients. We work hard to know the deep inner-workings of each of our Medicare insurance partners which means our agents and our clients aren’t distracted by small, startup Medicare insurance companies who may have a great product for a year or two, then fade into the background and exit the market. We know our Medicare insurance company representatives by name, and know how to navigate their systems and processes.

The bottom line: Chicagoland Medicare is an independent Medicare insurance agency. We are not owned by a Medicare insurance company or by some large, national entity. We’re your local Medicare insurance agency for the Chicago area. This means we only work with hand-selected Medicare insurance companies so that we can provide you with the best Medicare plan for you that’s individualized and personalized. We exist and work ONLY for our clients, unencumbered by having to push just one company’s Medicare insurance products.