Changing Your Medicare Supplement Can Save You Money

Should I Change, and When?

If your Medicare supplement has experienced high premium increases, or even if you have had your supplement for a few years, you may want to look at changing your Medicare coverage in order to save money. If so, your first question may be: When can I change my Medicare supplement? The answer to that question all depends on the type of change you want to make.

If you want to change to a Medicare Advantage plan, you will need to wait until Medicare’s Annual Enrollment Period (AEP). However, if you want to change to another Medicare supplement, you can change anytime–that is, anytime you can health qualify for another supplement. While there is a proviso on that change, the good news is that you do not need to wait until AEP to change your supplement.

Qualifying for a Medicare Supplement?

Once you enroll on Medicare Part B (provided you also have Medicare Part A), Medicare gives you six months to enroll on a Medicare supplement of your choice without having to health qualify. After that period of time, you can enroll on any Medicare supplement offered in your state IF you can health qualify.

Generally, health qualifying means answering health questions and getting approved by the supplement company you are enrolling with.

Is It Hard to Qualify for a Medicare Supplement?

Health qualifying depends on your health and the insurance carrier with which you are applying for coverage. If you have certain medical conditions, you may not qualify for a different Medicare supplement. Generally, these are conditions or combinations of conditions that could potentially expose the insurance company to greater risk. Insurance is all about risk, so an insurance carrier to which you are applying is looking to see what kind of risk you are to that company.

If the company views you as potentially costing it a lot of money down the road, it will decline your application for coverage. On the other hand, if the insurance company views you as a good risk, then you will generally be accepted for coverage. The health questions and the medications you take can give the insurance company a good idea about what risk you may be.

It is important to understand that different insurance carriers have different underwriting standards. This means that some companies will be more liberal in terms of whom they approve for coverage. So, just because your application is declined by one insurance carrier does not mean it would be declined by all insurance carriers. This means that if you really want to save money, you can apply to a different company after being declined by your first choice. In other words, don’t give up. (Typically, companies with the lowest premiums have the most stringent underwriting standards.)

How Do I Go about It?

At this point, your head may be swimming. After all, you want to save money on your Medicare supplement, so you want to apply with another insurance company. But to which company do you apply? Even if you find a carrier with better rates, how do you know what the underwriting standards will be? And another important question to ask: Even if I find a company with a lower premium now, will that company increase its rates down the road? (Of course, none of us can tell the future, but past performance of a company can sometimes be a good indicator.) So, what to do?

This is where an experienced independent agent—one that represents lots of companies—can be of help. He or she can help point you in the right direction and, hopefully, save you a lot of money on your Medicare supplement. That suggestion just happens to align with this helpful maxim: It’s always good to find good help.

Expert Medicare Advice

Please contact us to discuss your options and get personalized coverage options and pricing. As an independent agency, we compare up to 50 of the top insurance carriers to find the best coverage at the best prices.


Don McCartyDon McCarty
00:36 07 May 24
Very helpful, friendly, and knowledgeable. Plan pricing was accurate, and I was kept informed throughout the process.
Susan BleuerSusan Bleuer
11:28 02 May 24
John Claeys is a great insurance agent. He is very pleasant and professional to work with and will get you the best insurance at the lowest price. He is quick to return phone calls and resolve issues. We highly recommend him for your insurance needs.
Rick RogersRick Rogers
16:14 01 May 24
If if spent a week studying the options for Medicare and all of the choices that go along with it, I’m sure that I would still be uncertain about what to do. John does a great job of explaining all of the options, including the advantages and disadvantages of each. I recommend him highly without any reservations.
Shari BrockShari Brock
22:12 18 Apr 24
John sat down with both of us and explained everything and answered any questions we had. He researched for the best plans for us. Highly recommend!!
Eric GuvernatorEric Guvernator
03:16 16 Apr 24
With all the endless solicitations I had received as I approached my 65th birthday, I had never expected to feel so comfortable and relieved to have John guide me seamlessly through the process. I couldn’t have asked for a finer experience. Not really having a clue going into our meeting, I left having confidence that I was gifted with the perfect plan as well as an advocate in my corner.I continue to get timely explanations and guidance anytime I send a question on Medicare material.If like me you are approaching this monumental deadline, contact John and let him handle this important process. You will not be disappointed.
Judi CarrollJudi Carroll
23:28 15 Apr 24
John answered all my questions and found me a great plan at an affordable premium.
Lynn SmithLynn Smith
20:41 15 Apr 24
The change to Medicare and supplemental health insurance can be terrifying. John Claeys and The Claeys Group Insurance Services made the process unbelievably simple. John is incredibly knowledgeable and up to date on all of the latest requirements. He explained the process and my options in a very simple and concise way and easily helped guide me in making the best decision for my situation. I cannot imagine navigating this medicare system without him. I also feel confident that he will safeguard and watch my situation in the event of future changes. Knowing that he is watching out for me going forward is the best part of all!
Tena BoneTena Bone
18:06 15 Apr 24
John Claeys has been very thorough with every detail of this important decision for me and my future Healthcare. He has such a sweet and caring spirit. I can't imagine using anyone else for my insurance needs.
Dollene BrownleeDollene Brownlee
15:26 10 Apr 24
John was very helpful explaining different Medicare options
January ShubertJanuary Shubert
13:50 08 Apr 24
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
Melton TimmonsMelton Timmons
23:05 05 Apr 24
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
Rosa MartinRosa Martin
21:53 05 Apr 24
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
Johnny CoffmanJohnny Coffman
16:33 05 Apr 24
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
Mark BleuerMark Bleuer
22:48 03 Apr 24
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
sheila Rhynesheila Rhyne
14:58 03 Apr 24
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Scott GillScott Gill
00:34 03 Apr 24
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
Karen DeemKaren Deem
21:02 02 Apr 24
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
Beth HamillBeth Hamill
17:52 02 Apr 24
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
Margie FisherMargie Fisher
22:38 13 Feb 24
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
Jerry JonesJerry Jones
02:27 08 Feb 24
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
marvitta hallmarvitta hall
23:31 07 Feb 24
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