Review before changing coverage

A clear list to verify before any switch.

Start with this

You can review concerns all year. Changing coverage requires an applicable enrollment period; changing to Original Medicare does not automatically guarantee access to a Medigap policy.

Keep these nearby

Your current coverage documents, Annual Notice of Change if your plan sends one, and a list of doctors, medicines and pharmacies.

Your next three steps

Tick a step when you have completed it. These ticks stay only on this page.

Check current needs and next year’s changes separately: doctors, prescriptions, total costs, travel and services you use. A concern can be raised at any time of year.
Annual Open Enrollment is October 15–December 7; changes generally start January 1. January 1–March 31 is a separate Medicare Advantage window for people already in Medicare Advantage, generally allowing one change. Ask about other enrollment rights if your circumstances changed.
Before leaving Medicare Advantage for Original Medicare, check drug coverage and Medigap availability, price and purchase rights. A plan-change window does not by itself guarantee that an insurer must sell you Medigap.

Words you can use

Start the conversation

“Which enrollment right applies to me, when would each part start, and what should I confirm before ending any current coverage?”

Check the official guidance

Medicare.gov: annual and Medicare Advantage Open Enrollment ↗

Medicare.gov: separate Medigap purchase rights ↗

Source checked September 9, 2026. Educational preparation; the responsible agency or plan must confirm your situation.

Notes for your conversation

Who I spoke with: ____________________ Date: ______________

Answer / next step: ___________________________________________

Follow-up date: ______________________________________________