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When can I change my coverage in 2022?

I mistakenly enrolled in the wrong Medicare Advantage Plan and did not realize it until the plan became effective in 2022. When can I change my coverage now?


Posted January 31, 2022 by at United States in Medicare
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You can make certain changes during the Medicare Advantage Open Enrollment Period (MA OEP), which runs from January 1 through March 31. Those enrolled in a Medicare Advantage Plan (like yourself) can switch to a different Medicare Advantage Plan or to Original Medicare with or without a stand-alone Part D plan. Changes made during his period are effective the first of the month after you make the change. You can use Medicare’s Plan Finder tool to compare plans and call 1-800-MEDICARE to request the change.
If you enrolled in a Medicare Advantage Plan or Part D plan by mistake or after receiving misleading information, you may be able to disenroll and change plans. Typically, you have the right to change plans if you:

  • Joined unintentionally: You may have enrolled believing you were joining a Medigap plan to supplement Original Medicare. Or, you meant to sign up for a stand-alone Part D plan and accidentally joined a Medicare Advantage Plan.
  • Joined based on incorrect or misleading information: For example, if a plan representative told you that your doctors are in the plan’s network but they are not, or you were promised benefits that the plan does not really cover.
  • Through no fault of your own, ended up or were kept in a plan you do not want: If you tried to switch plans during an enrollment period but were kept in your old plan. You can also make a change if you were enrolled in a plan because of an administrative or computer error.

Depending on the circumstances, this change may be retroactively effective.
You may be eligible for a Special Enrollment Period (SEP) in which to change your coverage. SEPs allow you to change your health and/or drug coverage outside normal enrollment periods. For example, if your Medicare Advantage Plan left your area or if you moved out of your plan’s service area, you would have an SEP to switch to another MA Plan or to Original Medicare. Those enrolled in certain cost assistance programs, such as Extra Help or the Medicare Savings Program, are eligible for other SEPs. Read about other circumstances that might trigger an SEP on Medicare Interactive.
And of course, you can wait for Fall Open Enrollment Period to make changes to your coverage for next year. Fall Open Enrollment Period occurs each year from October 15 through December 7, with your new coverage starting January 1.


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Added: January 31, 2022