For clarification purposes, Annual Enrollment Period (AEP) is generally all about changing, enrolling in, or disenrolling in Medicare Advantage Plans, and Prescription drug plans. Annual Enrollment Period (AEP) is all about Advantage Plans and Rx plans.

Medicare Supplements, such as Plan F, G, or N can be changed at anytime during the year. You can change your Medicare Supplement plan F, G, or N at anytime, but, you must pass underwriting which means you will submit an application and the Medicare Supplement Company will either approve you or not-approve you. Many companies are very liberal in their underwriting practices, making it pretty easy to get a new policy with a new rate. Other companies are very conservative in their underwriting practices, making it more difficult to get a new policy with a new and better rate.

It is my job to help you find the best policy at the best rate that also fits your personal lifestyle. These decisions are all about you. My goal is that each of my clients have a good understanding of Medicare and a good understanding of their Medicare policy.