A person who has Medicare supplemental plans can change his insurance coverage at any time. Enrolling in this type insurance plan after the enrollment period can cause a person to receive a plan he does not want, but it does not affect people he bought Medigap policies in the open enrollment periods.
Medicare Advantage Plans
Medicare Advantage Plans and Medicare Supplemental plans are not the same thing. A person with an Advantage policy does not qualify for the latter type of coverage. Both traditional Medicare and supplemental insurance are supposed to be part of the Medicare plans administered by Health Maintenance Organizations or HMOs.
Unlike Medicare Supplemental plans, Medicare Advantage policies have different rules covering when a person can and cannot purchase coverage. The federal government regulates when companies can allow new customers to enroll.
What About Medicare Part D?
Medicare Part D has its own open enrollment period which mirrors that for Medicare Advantage Plans. However, a person who has Medicare Part D can also change the coverage he has under the plan at any time during an annual enrollment period. The Annual Enrollment period is the same period under which a person can make changes to other parts of his Medicare supplemental plan coverage.
Nothing stops a person from changing his Medicare supplemental plan at any time. He may not want to change it frequently, but it is a good idea to pick the policy that best suits the health care coverage needs of an individual patient.