🚦 Can You Change Your Medicare Plan Right Now?

Follow this quick guide:

Step 1

Do you currently have a Medicare Advantage plan (Part C)?

👉 If YES → Go to Step 2
👉 If NO → You may still qualify—contact me to review your options, scroll down to the resource section…   [email protected] 

Step 2

Do any of these apply to you?

• ✔ You have Medi-Cal (or your share of cost is effectively $0)
• ✔ You recently moved
• ✔ You lost employer or other coverage
• ✔ You entered or left a hospital or care facility

👉 If YES to any → You may qualify for a Special Enrollment Period (SEP)  Scroll down for more details
👉 If NO → Go to Step 3

Step 3

Are we currently in one of these timeframes?

• 📅 Oct 15 – Dec 7 (Annual Enrollment Period)
• 📅 Jan 1 – Mar 31 (MAPD Open Enrollment)

👉 If YES → You can change your plan now
👉 If NO → You may still qualify based on Step 2

📌 Important 2025 Update (Medi-Cal)

If you have Medi-Cal (including situations where your share of cost is effectively $0), your enrollment options changed starting in 2025.

• ✔ The old quarterly change rule was eliminated
• ✔ Some individuals may now have monthly opportunities
• ⚠️ But not all Medicare Advantage plans can be changed each time – very complex, learn more! 

👉 Bottom line: You may have more flexibility—but the rules are more complex than before.

Citations  DHCS.gov  SEP *   Medicare.Gov SEP *  Understanding Medicare Enrollment times Publication 11219 

🧠 What This Means for You

• ✔ You may be able to change plans right now
• ✔ You may qualify—but need to choose carefully
• ✔ You may need to wait—but exceptions often apply

👉 The only way to know for sure is to review your situation.

📞 Get Help (Fast & Easy)

Resources, links & Citations

• Medicare Advantage & Rx Enrollment #Periods Publication # 11219
• HI CAP CA Health Care Advocates Medicare Enrollment Periods pdf
  • Html

• Medicare Interactive  Rights – Rights to Special Enrollment

• Medicare Managed Care Manual  Chapter 2 Enrollment and #Disenrollment  
  Very Detailed 2026  

• medicare.gov special-enrollment-periods 
  • CA Health care advocates
• medicare rights.org/ new-special-enrollment-period-will-aid-those-misled-by-provider-directories
• Medicare Appeals & Grievances our webpage