Review Medicare Options
Written By Kenneth Guzman-Andrade 6/21/2025
Key Points
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If you haven't been our client and want a second opinion on your Medicare secondary policies, we'd be happy to go over your options!
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Many people are paying hundreds or thousands more than they need to for their Medicare Supplements.
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Some policy types allow you to switch all year long, others require you to wait until Annual Enrollment Oct 15th to Dec 7th to switch.
Introduction
Have you been on the same Medicare secondary plan for years, and wondering if there's something better out there? Has you Medicare broker disappeared, and you want better customer service?
Talk to the brokers at NJ Life and Health. We will give you a no-cost evaluation to see if we can save you money, improve your coverage, or both!
Switching Medicare Supplements
The most common way we see people overspend on Medicare is by spending too much on their Medicare Supplement or "Medigap" plan.
You can save hundreds or thousands a year by switching your Medicare Supplement from one insurance carrier to another! And the best part - you won't lose your doctors.
Switching can sometimes take less than an hour, reach out today!
Switching From Medicare Advantage To Medicare Supplement
If you would like to switch from a Medicare Advantage plan to a Medicare Supplement, you usually have to during the Medicare Annual Enrollment Period. This period is from October 15th to December 7th.
In most cases, you will have to go through Medical Underwriting to make this transition. This means an insurance company can look through your health history to determine if they will accept you.
Denials tend to happen if:
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You have a major chronic condition such as MS, ALS or Alzheimer's
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You have had a condition such as Cancer or a Heart Attack in the last 2-5 years
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You have a surgery coming up that hasn't been completed
There are sometimes ways to skip medical underwriting using something called Guaranteed Issue. Your ability to use Guaranteed Issue is often tied to the state you live in and your particular situation.
Medicare Advantage and Part D Evaluations
Medicare Advantage and Medicare Part D plans change immensely year over year.
Medicare Advantage plans could see changes to provider networks, copays, out-of-pocket maxes, secondary benefits, and drug formularies.
Medicare Part D plans could see changes to drug copays, pharmacy networks, drug formularies, and monthly premiums.
If you would like to look into switching these plans, in many cases you have to do so during the Medicare Annual Enrollment Period. This takes place between October 15th to December 7th. Any changes will take effect on January 1st.
About the Author
Kenneth Guzman-Andrade is a licenced health insurance broker with NJ Life and Health.