Switching Medicare Plans Outside of Open Enrollment
If you want to change your Medicare plan, it's not too late -- but you'll need to act by February 14.
I signed up for a new Medicare Advantage plan during open enrollment in the fall, but now that I’m using the plan, I found out that it doesn’t cover some of my doctors. Can I switch to another Medicare plan before the next open enrollment?
How to Find Doctors Who Accept Medicare
Yes, if you act by February 14. But there are restrictions. You can only switch to an original Medicare plan, not to another Medicare Advantage plan. Since you would be leaving Medicare Advantage, you would also have the option to choose a Part D prescription-drug plan.
If you miss the February 14 deadline, you generally need to wait until the next open-enrollment period -- October 15 to December 7, 2012 -- to make changes to your coverage for the following year (except in the case of certain life-changing events). See Understanding Medicare Enrollment Periods for more information about these special situations and about the general rules for enrolling in and changing plans.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.
-
7 Best Places in the US for Wellness Tourism — Beyond California
California doesn't have a monopoly on wellness tourism. These U.S. retreats offer exercise, relaxation and good food in stunning scenery that might be closer to home.
By Becca van Sambeck Published
-
How to Apply for Social Security Retirement Benefits
There are two ways to apply for Social Security retirement benefits.
By Donna LeValley Published
-
Medicare or Medicare Advantage: Which Is Right for You?
From overall costs to availability of care, here's what to know about the differences between traditional Medicare and Medicare Advantage plans.
By Paola Bianchi Delp Published
-
What Does Medicare Not Cover? Seven Things You Should Know
Healthy Living on a Budget Medicare Part A and Part B leave gaps in your healthcare coverage. But Medicare Advantage has problems, too.
By Donna LeValley Last updated
-
Is a Medicare Advantage Plan Right for You?
Medicare Advantage plans can provide additional benefits beneficiaries can't get through original Medicare for no or a low monthly premium. But there are downsides to this insurance too.
By Jackie Stewart Last updated
-
Medicare Advantage 2024 Plans Dip in Ratings
Medicare Advantage and Medicare Part D plans lose 'star' on the CMS performance score card.
By Joey Solitro Published
-
Considering a Medicare Advantage Plan? Be Wary of Promises
These private insurance alternatives to Medicare are growing in popularity at the same time they’re under scrutiny for their sales tactics and coverage.
By Elaine Silvestrini Last updated
-
Medicare Open Enrollment Has Begun — Here's What You Need to Know
Medicare open enrollment is underway. Here's what you need to get done.
By Elaine Silvestrini Last updated
-
4 (Imperfect) Ways Retirees Can Pay for Dental Care
health insurance Since Medicare doesn't provide dental benefits, seniors must consider other options to cover this need.
By Jackie Stewart Published
-
Get Free Over-the-Counter COVID Tests Through Medicare
Medicare Beneficiaries can get up to eight tests a month through both original Medicare and Advantage plans.
By Elaine Silvestrini Published