If you’ve been thinking about switching your Medicare Supplement (Medigap) plan but feel uneasy about making the wrong move, you’re not alone. Once you’ve had a plan for a while, the idea of changing it can feel risky. What if the new plan doesn’t cover what you thought it would? What if customer service is worse? What if you regret leaving your current policy?
Here’s something you might not know. Medicare gives you a built-in safety net called the 30-day Free Look period, and it’s designed to take the pressure off making a change.
What Is the 30-Day Free Look?
The Free Look period gives you 30 days to try out a new Medigap plan while still keeping your current one. You’re allowed to hold both plans temporarily while you decide which one works best. If you choose to keep the new plan, great. If not, you can go back to your original plan with no penalties.
The only thing to keep in mind is that you’ll pay premiums for both plans during the 30-day overlap. But aside from that, you’re free to explore your new option without being locked in right away.
Why the Medigap Free Look Period Matters
Changing your Medigap plan can be a smart move, especially if your premium has gone up or your needs have changed. But many people hesitate because they’re worried about losing the stability they have. The Free Look period is a rare chance to ease into a switch and take the time to make sure it’s the right fit.
Think of it like trying on a new pair of shoes. You don’t commit just by putting them on—you walk around a bit, see how they feel, and decide from there.
What to Expect if You Use It
Here’s what the process usually looks like:
- You apply for a new Medigap plan and get approved
- You keep your current plan active during the first 30 days of the new policy
- You decide which one works better for you
- You cancel the one you don’t want to keep
It’s that simple. No complicated forms, no penalties, and no “one and done” decisions.
A Few Things to Keep in Mind
The Free Look period doesn’t mean you’re automatically accepted into a new plan. If you’re switching outside of your guaranteed issue window, you’ll still need to go through medical underwriting and be approved for the new coverage. But once approved, the Free Look gives you time to make a confident, informed choice.
Access Free Expert Medicare Guidance
These healthcare decisions are important, and it’s smart to take your time. If you’re not sure whether another plan might be a better fit—or just want help understanding your options—we’re here to walk you through it.
At MedicareSchool.com, we help people compare plans, understand what’s changing, and how to utilize tools like the Free Look period to make smart, low-risk decisions.
Schedule a free call with one of our licensed Medicare Guides, or give us a call at 800-864-8890. We’ll help you take the next step at your own pace and make sure your Medicare plan continues to support your needs and your peace of mind.
You don’t have to rush. You just have to know what’s possible.