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Interactive tool
See whether switching plans this year makes sense.
See whether switching plans this year makes sense.
Switching plans is easy to do and easy to regret. This tool starts with how you feel about your current plan. That feeling matters less than whether a window is open, and what a change would undo.
The fall window. Anyone may join, drop, or change an Advantage or drug plan.
People already in an Advantage plan get one more change. You may move to another Advantage plan or back to Original Medicare.
A move, a lost employer plan, or new Medi-Cal status can open a window of its own.
Supplements follow a different clock. You may apply for a Medigap plan at any time of year. The catch is that most companies may ask health questions once your first six months with Part B have passed. So the calendar stays open, but the door may not.
Sometimes the answer is to stay
A plan that still covers your doctors and your drugs is often worth keeping. Change for a reason, not for a new brochure. Read the annual notice of change your plan mails each fall, and compare it against the care you actually used.
A plan that annoys you is not always the wrong plan. Separate the irritations from the real problems. A long phone wait is an irritation. A specialist leaving the network, or a drug moving to a higher tier, is a real problem. Fix the second kind and live with the first.
Then ask a licensed agent to run both options. Plan availability and benefits vary by plan and by area and can change each plan year. Our annual review page shows what a careful comparison looks like. You can also compare plans yourself at medicare.gov or by calling 1-800-MEDICARE.
Ready when you are
45-minute consultations at no cost - in person, on the phone, or by video. No pressure, just honest answers.