Changing Medicare Plans? Get Help Here

If you’re ready to change plans, we’ll help you find the right coverage that fits your life and budget.

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What To Consider When Changing Medicare Plans

Finding a new plan may be easier than you think. We’ll help you get started with key details you'll need to know.

Select your current plan type to review your options.

In addition to providing medical and hospital coverage, most Medicare Advantage (Part C) plans cover prescription drugs, dental, vision, hearing, and more – but not all plans are equal.

When you consider different plan options, be sure to compare the benefits and costs with your current plan. Check to see if your doctors and hospitals are in the new plan network and look up your drugs to estimate the cost.

Enrollment And Eligibility

You can join, drop, or switch to another Medicare Advantage plan every year during the Annual Enrollment Period, October 15 to December 7.

At other points during the year, you may qualify for a two-month Special Enrollment Period (SEP) if you have a qualifying life event, such as moving out of your plan’s service area, or losing employer coverage.

Explore Anthem Medicare Advantage Plans

Smart Tip: Annual Enrollment Period is October 15 to December 7.

Medicare Supplement plans can offer greater flexibility in allowing you to visit any doctor or facility that accepts Medicare patients. This is ideal for people who travel frequently or spend part of the year in another location. And while you pay a higher premium than with a Medicare Advantage plan, Medicare Supplement plans can help cover some out-of-pocket costs, like copays, deductibles, and coinsurance. Plus, your benefits are guaranteed for life once you’re enrolled and your premiums are paid.

Enrollment And Eligibility

If you first chose a Medicare Advantage plan during your Initial Enrollment Period, you have one year to return to Original Medicare^‡ and enroll in a Medicare Supplement plan without looking at past or present health conditions. After that time, you may be required to get a medical exam, and you might be denied coverage based on pre-existing conditions.

To change from a Medicare Advantage plan to a Medicare Supplement plan after the first 12 months, you’ll need to wait until the Annual Enrollment Period, which runs from October 15 to December 7. In this scenario, please remember, you may be denied coverage based on pre-existing medical conditions.

You can also disenroll from Medicare Advantage and select a Medicare Supplement plan if you qualify for a two-month Special Enrollment Period. There are some Special Enrollment Periods when you will not be allowed to buy a Medicare Supplement policy. Contact Anthem for help.

Explore Anthem Medicare Supplement Plans

Smart Tip: Annual Enrollment Period is October 15 to December 7.

D-SNPs are Medicare Advantage plans for people with Medicare and Medicaid. If you qualify, these plans give benefits beyond Original Medicare^‡ and Medicaid — with $0 monthly premiums.

Enrollment And Eligibility

Starting January 1, 2025, enrollment options are changing for Dual Special Needs Plans (D-SNPs). These changes are meant to give you better care but may impact when you can enroll in a D-SNP. Whether you're signing up for the first time or switching plans, here are some important things to know.

To enroll in a D-SNP, you must have Medicare Parts A and B and be eligible for Medicaid.

If you qualify, you can enroll in a D-SNP the first month you become eligible for Medicaid. Your coverage will start on the first day of the following month.

If you're already enrolled in a D-SNP, you may be able to change plans monthly, depending on your current plan, where you live, and/or the plan you want to enroll in.

You can always switch plans during the Annual Enrollment Period from October 15 to December 7 every year. If you switch during that time, your coverage will start on January 1.

You must renew your Medicaid coverage every year to stay enrolled in a D-SNP. Medicare eligibility is reviewed by your state Medicaid agency. You will get a notification from your state agency when it's time for you to complete your renewal. Make sure to return it right away because if your Medicaid coverage isn't renewed, you may lose your eligibility for a D-SNP as you need both Medicaid and Medicare.

Call us to get one-on-one guidance from a licensed insurance agent and learn more about your D-SNP eligibility.

Explore Anthem Dual Special Needs Plans

When changing from one Medicare Supplement plan (Medigap) to another, be sure to compare the benefits and costs of each plan. Some plans offer lower premiums in exchange for more out-of-pocket costs, while others have higher premiums with little to no out-of-pocket costs.

Enrollment And Eligibility

The best time to enroll in a Medicare Supplement plan is during your Initial Enrollment Period, which lasts for seven months, starting three months before you turn 65, and ending three months after the month you turn 65. You also can enroll during the Medigap Open Enrollment Period, which lasts for six months after you get Medicare Part B and are over 65 years old.

During the Medigap Open Enrollment Period you can’t be denied coverage or charged higher premiums for pre-existing health conditions.

There are guaranteed issue right situations that allow you to change or enroll in a Medicare Supplement plan without medical underwriting. For example, if you are in a Medicare Select plan and you move to an area outside your current hospital network, you have a guaranteed issue right to change your Medicare Supplement plan.

You can apply for a Medicare Supplement plan at any time; however, depending on when you apply you may be denied coverage or charged a higher premium based on pre-existing medical conditions.

When you enroll or switch between Medicare Supplement plans, you may be given a 30-day "free look" period to decide if you want to keep it. You must pay the premiums for both plans during this time. After 30 days, you need to select which plan you want to keep.

Medicare Supplement enrollment and switching rules vary by the state you live in. You should always check with your state’s department of insurance to fully understand your options or call us. We’re here to help.

Explore Anthem Medicare Supplement Plans

Smart Tip: The Medigap Open Enrollment Period is the six-month period beginning on the first day of the month you’re at least 65, and also enrolled in Medicare Part B.

Convenience and cost are two of the biggest reasons people change from a Medicare Supplement plan to a Medicare Advantage plan.

Medicare Advantage plans have $0 or low premiums and offer valuable benefits like dental, vision, and hearing coverage. Most plans also include prescription drug coverage (Part D) all in one plan. But unlike a Medicare Supplement plan, Medicare Advantage plans have a network of providers. You will want to make sure your doctors and hospitals are included in the plan’s network before you enroll.

Enrollment And Eligibility

You can change from a Medicare Supplement plan to a Medicare Advantage plan during the Annual Enrollment Period, October 15 to December 7. Keep in mind, if you switch to a Medicare Advantage plan and then want to return to a Medicare Supplement plan, you should try to do so within the first 12 months. Otherwise, you may be denied coverage based on your health.

If you do switch to a Medicare Advantage plan during the Annual Enrollment Period, your coverage will start on January 1 of the following year.

At other points during the year, you may qualify for a two-month Special Enrollment Period if you have a qualifying life event, such as moving out of your plan’s service area.

Explore Anthem Medicare Advantage Plans

Smart Tip: Annual Enrollment Period is October 15 to December 7.

When shopping for a new stand-alone Medicare Part D plan, review the plan’s formulary (drug list) to make sure your current medications are covered, and the network includes your pharmacy. Also, compare the premiums, deductibles, copayments, and coinsurance of each plan to determine which offers you the lowest out-of-pocket costs.

When Can I Change My Part D Plan?

You can change Part D plans during the Annual Enrollment Period, October 15 to December 7. If you change Part D plans during the Annual Enrollment Period, your coverage will start in January of the following year.

Your coverage will start the first of the following month after you sign up.

Explore Anthem Prescription Drug Plans

Smart Tip: Annual Enrollment Period is October 15 to December 7.

Find The Right Anthem Medicare Plan For You

As a leading healthcare provider, Anthem is committed to helping you find a new plan that’s right for you. You can choose from a wide range of options or call one of our licensed agents for personalized guidance: tel

Medicare Advantage (Part C) Plans

Our comprehensive Medicare Advantage plans include everything Original Medicare^‡ has to offer – and more. You can select an Anthem plan that may include benefits like these:

$0 or low premiums

Dental, vision, and hearing coverage

Prescription drug (Part D) coverage

SilverSneakers^® fitness programs

Plus, you could get a spending allowance for over-the-counter health items, groceries,^{3, 5} transportation,^{4, 5} and utilities^{3, 5} – all conveniently managed via an Anthem Benefits Prepaid Card. (Benefits may vary based on where you live, the plan you select, and individual conditions.)

Medicare Advantage is available in HMO, PPO, and Special Needs Plans so you have the flexibility to choose the coverage that fits you.

Explore Anthem Medicare Advantage Plans

Medicare Supplement Plans (Medigap)

Medicare Supplement plans can help pay some of your out-of-pocket costs not covered by Original Medicare^‡, like copays, deductibles, and coinsurance. And you can receive care from any doctor or facility that accepts Medicare patients.

Medicare Supplement plan medical and hospital benefits are standardized, so all insurer options are the same, but Anthem offers more. Choose an Anthem Medicare Supplement plan that includes helpful extras like these:

SilverSneakers^® fitness program

ScriptSave/WellRx prescription drug savings¹

SpecialOffers discounts on products and services that promote better health and well-being²

Explore Anthem Medicare Supplement Plans

Prescription Drug (Medicare Part D) Plans

Medicare Part D provides prescription drug coverage, which can be especially important if you’re managing a condition that requires regular medications. You can complement your Original Medicare^‡ or a Medicare Supplement plan with an Anthem Part D plan that can help lower the costs of your medications.

Our Plans Include:

More than 62,000 pharmacies in our network

$1 copays for preferred prescription drugs at preferred pharmacies⁶

Even if you don’t take prescription drugs when you’re first eligible for Medicare, consider getting a Medicare Part D plan to avoid a late enrollment penalty if you join later.

Explore Anthem Prescription Drug Plans

Dual Eligible Special Needs Plans (D-SNPs)

Dual Special Needs Plans are a type of Medicare Advantage plan for people eligible for both Medicare and Medicaid, offering Medicare Advantage benefits at little to no extra cost, like:

Dental, Vision, and Hearing coverage

Prescription drug coverage

Transportation^4,5 for health-related appointments

Over-the-counter allowance for health items

Dedicated support team to help you understand your benefits and get the most out of your plan

Personal Emergency Response System

Pre-paid benefits card for support with groceries^3,5 and utilities^3,5

Benefits may vary based on where you live, the plan you chose, and whether you qualify to receive them.

Explore Anthem D-SNP Plans

Check Your Doctors And Prescriptions

We want to make sure you’re happy with your new plan. Before you change plans, check your doctors and prescriptions.

Check Doctors And Prescription Drug Costs

Change Your Healthcare Plan Confidently

Need some extra guidance? These helpful resources can help you feel comfortable with your decision to change plans.

Read Our Medicare Articles

Frequently Asked Questions About Changing Plans

If you already have Original Medicare,^‡ or you have both Original Medicare^‡ and a Medigap plan, you can enroll in a Medicare Part D plan during your Initial Enrollment Period (7 months bracketing your 65 birthday month), the Medigap Open Enrollment Period (6 months from the time you get Part B and are over 65), the General Enrollment Period (January 1 to March 31) or the Annual Enrollment Period (October 15 to December 7).

If you qualify for Medicaid and are enrolled in Medicare, you may be able to enroll in a Dual Special Needs Plan. You can enroll in a dual plan the first month you become eligible for both Medicaid and Medicare. Your coverage will start on the first day of the following month.

If you're already enrolled in a D-SNP, you may be able to change plans monthly, depending on the type of plan you want to enroll in or if you qualify for a Special Enrollment Period.

You can always switch plans during the Annual Enrollment Period from October 15 to December 7 every year. If you switch during that time, your coverage will start on January 1.

Call us to get one-on-one guidance from a licensed insurance agent and learn more about your D-SNP eligibility.

You can enroll in or change dual plans once per Special Enrollment Period or during the Medicare Annual Enrollment Period.

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^‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).

¹DISCOUNT ONLY - NOT INSURANCE. Discounts are available exclusively through participating pharmacies. The range of the discounts will vary depending on the type of prescription and the pharmacy chosen. This program does not make payments directly to pharmacies. Members are required to pay for all prescription purchases. You may contact customer care anytime with questions or concerns, to cancel your registration, or to obtain further information. This program is administered by Medical Security Card Company, LLC, of Tucson, AZ.

²Vendors and offers are subject to change without prior notice. Anthem Blue Cross and Blue Shield does not endorse and is not responsible for the products, services or information offered by the vendors or providers. We negotiated the arrangements and discounts with each independent vendor or provider in order to assist our members. These discounts are not insurance and are not part of the Medicare Supplement insurance plans.

³ Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter. Benefits vary by plan.

⁴ Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.

⁵ Depending on your plan, the benefits listed may be available through the Medicare Advantage Value-Based Insurance Design Model or to eligible members as Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as Chronic Kidney Diseases, Chronic Lung Disorders, Cardiovascular Disorders, Chronic Heart Failure, or Diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan’s Evidence of Coverage.

⁶ Anthem Blue Cross‘s pharmacy network includes limited lower-cost, preferred pharmacies in most areas. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, consult the online pharmacy directory.

The SilverSneakers fitness program is provided by Tivity Health, an independent company. Please talk to your doctor before starting an exercise program. SilverSneakers, the SilverSneakers shoe logo type and SilverSneakers Flex are registered trademarks of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.

The Benefits Mastercard^® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Terms and Conditions. Valid only in the U.S. No cash access. Other languages are available upon request.

Anthem Blue Cross, a Medicare Advantage organization with a Medicare Contract, offers HMO, HMO D-SNP, HMO C-SNP, and HMO I-SNP plans. Anthem Blue Cross Partnership Plan, a Medicare Advantage Organization with a Medicare Contract, offers HMO and HMO-CSNP plans. Anthem Life and Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO, LPPO D-SNP, and LPPO C-SNP plans. Anthem Blue Cross HMO D-SNP plans and Anthem Life and Health Insurance Company LPPO D-SNP plans additionally contract with state Medicaid programs. Anthem BC Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO plans. Enrollment in an Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Anthem BC Health Insurance Company and Anthem Life and Health Insurance Company plans depend on contract renewal.

For Medicare Supplement only: Not connected with or endorsed by the U.S. government or the federal Medicare program.

Changing Medicare Plans? Get Help Here

What To Consider When Changing Medicare Plans

Select your current plan type to review your options.

I Want To Change My Medicare Advantage Plan

Enrollment And Eligibility

Smart Tip: Annual Enrollment Period is October 15 to December 7.

I Want To Change To A Medicare Supplement Plan

Enrollment And Eligibility

Smart Tip: Annual Enrollment Period is October 15 to December 7.

I Want To Change My Dual Special Needs Plan (D-SNP)

Enrollment And Eligibility

I Want To Change My Medicare Supplement Plan

Enrollment And Eligibility

Smart Tip: The Medigap Open Enrollment Period is the six-month period beginning on the first day of the month you’re at least 65, and also enrolled in Medicare Part B.

I Want To Change To A Medicare Advantage Plan

Enrollment And Eligibility

Smart Tip: Annual Enrollment Period is October 15 to December 7.

I Want To Change My Prescription Drug (Part D) Plan

When Can I Change My Part D Plan?

Smart Tip: Annual Enrollment Period is October 15 to December 7.

Find The Right Anthem Medicare Plan For You

Medicare Supplement Plans (Medigap)

Check Your Doctors And Prescriptions

Change Your Healthcare Plan Confidently

Frequently Asked Questions About Changing Plans

When should you change your Medicare Advantage plan?

When should you change your Medicare Supplement plan?

When can I add Medicare Part D to my Original Medicare‡ or Medicare Supplement (Medigap) plan?

When can you enroll in a Dual Special Needs plan?

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