Key Points to Remember

• In most states, switching to a Medigap plan requires answering health questions.

• Changing plans requires a valid election period, such as the Annual Election Period.

• Common reasons for switching include losing a preferred doctor from your network or dissatisfaction with prior authorization requirements.

Key Points:

• If you have VA benefits, it’s important to enroll in Medicare Part A and Part B to avoid late enrollment penalties and ensure access to civilian healthcare providers.

• VA benefits vary, so you might need care outside the VA, where Medicare becomes essential.

• With Parts A and B, you can also sign up for a Medigap or Medicare Advantage plan to help cover additional costs beyond what Medicare pays.

Key Points:
-The Fall Open Enrollment window is from October 15th to December 7th.

-During this window, you can enroll, disenroll, or switch your Medicare Advantage plan or Part D plan for the new year because these plans have yearly changes.

-This window is not a time to enroll in a Medigap plan with no health questions asked.