Medicare can be confusing — especially when it comes to when and how you can make changes to your coverage. If you’ve chosen a Medicare plan and later realize it’s not the right fit, you might wonder: Can I change my Medicare plan mid-year?

The answer depends on the type of plan you have and your specific situation. Let’s break down when you can make changes, what options you have, and how to avoid costly coverage gaps.

When Can You Change Your Medicare Plan?

Generally, you can only change Medicare plans during certain times of the year — but there are a few exceptions that allow mid-year changes. Understanding these Medicare enrollment periods will help you know when you can switch.

1. Annual Enrollment Period (AEP)

  • Dates: October 15 – December 7

  • What you can do:

    • Switch from Original Medicare to a Medicare Advantage plan (Part C)

    • Switch from Medicare Advantage back to Original Medicare

    • Change or add a Part D prescription drug plan

Changes made during this period go into effect on January 1 of the following year.

Even though it’s not technically “mid-year,” this is the main window for making adjustments to your coverage each year.

2. Medicare Advantage Open Enrollment Period (MA OEP)

  • Dates: January 1 – March 31

  • Who it’s for: People already enrolled in a Medicare Advantage plan.

  • What you can do:

    • Switch to another Medicare Advantage plan

    • Drop your Medicare Advantage plan and return to Original Medicare

    • Add a standalone Part D drug plan if you return to Original Medicare

This period allows a one-time plan change per year — perfect if you realize early in the year your Advantage plan isn’t what you expected.

3. Special Enrollment Periods (SEPs)

This is where mid-year plan changes become possible. You may qualify for a Special Enrollment Period if certain life events occur. SEPs let you make changes outside of the standard enrollment windows.

Common reasons you may qualify for an SEP include:

  • Moving to a new address that’s outside your plan’s service area

  • Losing employer or union coverage

  • Qualifying for Medicaid or Extra Help

  • Your plan terminates its contract with Medicare

  • Significant changes to your plan’s costs or coverage

Each situation comes with its own SEP rules and time limits, usually lasting 2–3 months from the qualifying event.

What If I Want to Change My Part D (Prescription Drug) Plan?

If you only want to switch your Medicare Part D drug plan, you can do so during:

  • The Annual Enrollment Period (Oct 15 – Dec 7), or

  • If you qualify for a Special Enrollment Period.

For example, if you move to a new state or lose other prescription coverage, you’ll have a window to make changes mid-year.

Can I Switch from Medicare Advantage Back to Original Medicare Mid-Year?

Yes — but only during certain times:

  • During MA Open Enrollment (Jan 1 – Mar 31), or

  • If you qualify for a Special Enrollment Period.

When you switch back to Original Medicare, you can also enroll in a Medicare Supplement (Medigap) plan. However, keep in mind that depending on your state and situation, you might need to go through medical underwriting to be accepted for Medigap coverage.

How to Change Your Medicare Plan

If you qualify for an enrollment period and want to make a change, here’s what to do:

  1. Review your current coverage – Identify what’s not working (costs, network, prescriptions, etc.).

  2. Compare new plans – Use Medicare.gov’s Plan Finder or work with a licensed Medicare advisor.

  3. Check for penalties or coverage gaps – Make sure your switch won’t leave you without drug coverage or duplicate benefits.

  4. Enroll in your new plan – Once approved, your new plan typically starts the first of the following month.

Why Reviewing Your Medicare Plan Matters

Your healthcare needs and financial situation can change — and so can Medicare plan options. Reviewing your plan annually ensures:

  • You’re not overpaying for premiums or prescriptions

  • Your preferred doctors and pharmacies remain in-network

  • You’re taking advantage of updated plan benefits

Final Thoughts

So, can you change your Medicare plan mid-year?
Yes — but only if you qualify for a Special Enrollment Period or are within a defined Medicare enrollment window.

If you’re unsure whether you’re eligible to make changes or which plan fits your current needs, the licensed professionals at Lehigh Valley Medicare Advisors can help you review your options, compare plans, and ensure you’re getting the coverage and value you deserve.

 

Make An Appointment Today!