Change Your Medicare Supplement Plan
You can technically apply to switch at any point. However, changing your Medicare Supplement plan in Illinois might involve more scrutiny. Insurers could deny coverage based on your health history, charge higher premiums for pre-existing conditions, or impose waiting periods.
When You Have Guaranteed Issue Rights
There are special cases — usually within 63 days — when insurers must accept your application:
• You’re in your Open Enrollment Period (first 6 months of Part B at 65).
• Your Medicare Advantage plan is ending, leaving your area, or you’re moving back to Original Medicare.
• You’ve lost other coverage, like a retiree or employer plan.
• Your Medicare Supplement company misled you or went bankrupt.
Steps To Safely Switch Plans
1. Apply for the new plan first — don’t cancel your current one until approved.
2. Wait for confirmation, then set your start date.
3. Cancel your old plan in writing to avoid double bills.
When To Consider Switching
• You want lower premiums.
• You’re paying for extras you don’t use.
• You moved to a state with different plan costs.
• Your health or finances have changed.
We’re Here to Help
Call us today at (855) 740-2227 to talk with an Education Specialist