When Can I Switch Medigap Policies? 
You can switch Medigap policies at any time , but it is important to understand potential obstacles . If you are outside of your Medigap open enrollment period -LRB- the 6-month period that begins on the first day of the month in which you 're 65 or older and enrolled in Part B -RRB- , then you will likely have to go through health underwriting to switch to a new plan or insurance company . Some companies do allow you to change your Medigap Plan if you remain with them , e.g. going from a Plan F to a Plan G , without new health underwriting ; but if you change insurance companies you will have to answer all health questions on the application . A new insurance company may deny you coverage based upon evaluation of your current health , so you may not be able to switch your Medigap policy to a new company . It is important to work with a licensed and experienced agent who can place you with a reputable company for the long term when you are in your Medigap open enrollment period . 