Skip to main content
Palm Beach Senior Insurance Palm Beach Senior Insurance home Call

Medicare Plans

Switching Your Medicare Plan in Palm Beach County

Keeping the same Medicare plan should be something you decide each fall. Copays, drug tiers and networks change every January, and a plan that fit you three years ago in Greenacres or Palm Beach Gardens may cost more today.

Switching is usually simple once a Medicare window is open. This page shows how to tell whether you can change now, and what to compare before you do.

  • Learn whether a window is open for you now
  • Keep the doctors and drugs you depend on
  • Free review, with no pressure to change
  • Help for year-round and part-year residents
Check My Switching Window Call us: 561-000-0000
An older couple strolling barefoot along the beach at the water's edge

Find out if you can switch, and whether you should

Tell us your current plan, your doctors and your prescriptions. A licensed insurance agent checks which window applies and calls you back during business hours with a plain answer, including when your current plan is still the better choice.

Check My Switching Window Call us: 561-000-0000

What to expect

Free review
  • A licensed agent calls you back during business hours, Mon-Fri, 9:30am-6:30pm ET
  • Your doctors and prescriptions get checked before any plan is suggested
  • No fee for our help, and your premium is the same either way
  • No obligation to enroll, and no pressure if you'd rather stay put
Call us: 561-000-0000

Reviewed by the licensed insurance agents at Palm Beach Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 9:30am-6:30pm ET.

Check My Switching Window

Takes under a minute.

Free

By submitting, you agree a licensed agent may call you about Medicare or final expense options. No obligation to enroll.

Eligibility

Which window fits your situation

WindowDatesWhat you can do
Annual Open EnrollmentOct 15 to Dec 7Change Advantage plans, change Part D plans, or return to Original Medicare
Medicare Advantage Open EnrollmentJan 1 to Mar 31Make one change if you're already on an Advantage plan
Special Enrollment PeriodTriggered by an eventA permanent move, losing job coverage, qualifying for Extra Help, your plan leaving the area, or a declared emergency that kept you from acting
Medigap plan changeAny timeApply for a new Supplement plan. In Florida this usually means health questions unless a guaranteed issue right applies

Moving your permanent home can open a window

A new permanent address outside your plan's service area opens a Special Enrollment Period. That includes moving to Palm Beach County from another state, or leaving it. Time spent at a seasonal home doesn't count as a move, but an Advantage plan can drop you if you're away more than six months in a row.

Reasons

Good reasons to take another look

  • Your doctor or hospital left the plan's network
  • A drug moved to a higher tier or came off the list
  • Your Medigap premium went up again
  • Copays at routine visits are more than you expected
  • You now qualify for Extra Help or a Florida Medicare Savings Program
  • You moved, retired or lost job coverage
  • You started spending more of the year in another state

A switch isn't always the answer. Sometimes the plan you have is still the best we can find for you in Palm Beach County, and keeping it is the right move. We'll tell you that directly. We'd rather help you for years than move you into a new plan for one season.

Local networks

Changing plans in Palm Beach County

Here, most switching questions come back to hospitals. Advantage plans sold in the county differ on which systems they include, and the hospitals are split among several owners, from St. Mary's and Good Samaritan in West Palm Beach to Bethesda Hospital East and Boca Raton Regional Hospital in the south. Those contracts can change at renewal. During cancer care, confirm your oncologist is in the new plan before you switch. Veterans who use the Thomas H. Corey VA Medical Center should think about how VA care fits with any new plan. Not sure we cover your town? See our service areas.

If your income is limited, a Florida Medicare Savings Program through the Department of Children and Families may pay your Part B premium and also qualify you for Extra Help. For free, unbiased counseling on every plan sold in the county, call SHINE (Serving Health Insurance Needs of Elders), Florida's free Medicare counseling program, at 1-800-963-5337.

Process

How a switch works

  1. 1

    Gather what you have

    Your plan card, your drug list and the names of the doctors you want to keep, here and in any other state.

  2. 2

    Compare full-year costs

    Premium, deductible, copays, network and drug tiers, totaled for twelve months instead of one.

  3. 3

    Confirm the window

    We make sure you're allowed to switch and confirm the start date before you sign anything.

  4. 4

    Enroll and watch the handoff

    We submit the application, look for the confirmation, and make sure the old plan ends the day the new one starts.

New to comparing Medicare plans? Start with our Medicare plans overview, compare Advantage vs. Medigap, or read the mistakes to avoid before you change anything.

Questions

Common questions about switching plans

Can I change plans any time I want?
Only while a Medicare window is open for you. Most changes happen during Annual Open Enrollment, October 15 to December 7. A move, losing job coverage or a plan leaving the county can open a Special Enrollment Period at other times.
My doctor dropped out of my plan. What now?
That's a good reason to look again. If a doctor or hospital you rely on leaves your Advantage network, we check whether a window is open so you can move without a gap in coverage.
I'm making Florida my permanent home. Can I switch to a plan here?
Usually, yes. Moving your permanent address out of your old plan's service area opens a Special Enrollment Period, and you can pick an Advantage or Part D plan sold in Palm Beach County. A Medigap policy can come with you as long as you stay on Original Medicare. Give us your move date and we'll check the timing.
Does moving within the county open a window?
Sometimes. A move outside your plan's service area opens one. A move inside the same area usually doesn't, unless new plans are available at the new address. Send us both addresses and we'll check.
Can I drop Medicare Advantage and go back to Medigap?
You can return to Original Medicare during Open Enrollment or the Medicare Advantage Open Enrollment Period. Buying a Medigap plan after your first six months on Part B usually means health questions, and the company can decline you unless a guaranteed issue right applies.
Does Florida have a yearly window to switch Medigap plans?
No. A few states let people change Medigap plans each year near their birthday or policy anniversary without health questions. Florida isn't one of them, so a switch usually means applying with the new company and answering its questions.
Is there a charge to find out if I can switch?
No. Checking your window and comparing plans is free, whether you change plans or keep the one you have.

Before you switch

Annual Open Enrollment

The fall window when most plan changes happen.

Read more

Medicare Advantage

Check networks, travel rules and yearly caps before you move.

Read more

Medicare Supplement (Medigap)

Changing Medigap plans in Florida usually means health questions.

Read more

Part D Drug Plans

Run your drug list again each fall, even if nothing else changed.

Read more

Not sure whether you can switch right now?

A short call tells you which window applies and whether a change would save you money.

Request a free review 561-000-0000
Call Now Free Review