When can you cancel medicare supplemental insurance?

 Yes, Medigap policies don’t have an annual open enrollment period like the time from Oct. 15 to Dec. 7 for a Medicare Part D prescription or Medicare Advantage plan. So you can cancel, buy

or switch Medigap policies any time during the year. But if you change your mind, you may have a difficult time getting Medigap coverage again. Unless you buy at certain times, an insurer

may reject you or charge more because of preexisting health conditions. Medicare supplement insurance, better known as Medigap, is an additional policy that helps pay original Medicare

copayments, deductibles and other out-of-pocket costs. Some Medigap policies provide extra coverage, for example, for foreign travel emergencies. Private insurers sell Medigap policies.

Federal and state laws regulate the plans. CAN I SWITCH MEDIGAP POLICIES AT ANY TIME? Yes, but insurers may ask questions about your health if you don’t qualify for a guaranteed issue right 

period, when you’re assured of the ability to purchase a plan even if you have health problems. That’s why it’s important to think about your present and future needs when you first buy a

policy. You may want to find a Medigap policy with a company that has lower premiums or better customer service, because you have more coverage than you need, or so you can qualify for

additional coverage such as foreign travel emergencies. Some states let you change Medigap policies at certain times during the year, regardless of your health: * IN CALIFORNIA, you have 60

days after your birthday to swap plans. * IN MISSOURI, you have up to 30 days before and after the anniversary of the date you purchased the policy to switch to the same letter plan with a

different insurer. * IN OREGON, you have 30 days after your birthday each year to buy another Medigap plan with equal or lesser benefits. In Connecticut, Massachusetts and New York, insurers

must sell you any Medigap policy at any time regardless of preexisting conditions. In Maine, you can change policies and insurers as long as you choose a plan with the same or lesser

benefits and you’ve never had a gap in coverage of more than 90 days.