Medicare Supplement Plan Review - HTA Insurance Services

Medicare Supplement Plans

Reviewing Your Medicare Supplement Coverage

Reviewing Your Medicare Supplement Plan

Medicare Supplement plans are not tied to the Annual Enrollment Period, so you do not need to review your plan just because its AEP.

A good time to review is usually around your policy renewal, especially if you have not reviewed your coverage in the last few years or you want to understand what other options may be available.

When Is My Renewal?

Your Medicare Supplement policy generally renews once a year based on the month your policy originally became effective.

Check your Medicare Supplement ID card for your policy effective date
Your renewal is usually the same month each year
- Example: 7/1/2023 → July renewal
Your plan renews automatically as long as you continue paying your premium
Your renewal date is not a deadline to change plans — Medicare Supplement coverage can generally be reviewed and changed throughout the year, although medical underwriting and state-specific rules may apply
UnitedHealthcare: premiums typically renew January 1, regardless of effective date

Watch: Best Time to Review your Medicare Supplement Plan

Where Do I Find My New Premium?

Your insurance company will usually mail your renewal or rate-change notice about 30–45 days before your renewal.

The notice comes directly from your insurance company
HTA does not automatically receive a copy
Until that notice arrives, we may not know your new premium
If you want HTA to shop your coverage, please have your new monthly premium available

January 1, Daily calendar icon, Date and time, day, month, Holiday, Flat designed Vector Illustration

Renewing January 1?

Your Medicare Supplement renewal is separate from AEP. Watch for your renewal or rate-change notice in the weeks leading up to your renewal before deciding whether you would like to review your coverage.

Do My Benefits Change Each Year?

Medicare Supplement plans are standardized and the core benefits stay the same from year to year.

Medicare cost-sharing amounts, such as deductibles and coinsurance, may change annually.

View the 2026 benefit amounts here

What Options Do I Have?

Keep Your Current Plan

Keep the coverage you already know
No application or underwriting needed
May make sense if your premium and coverage still work well
No action needed to renew

Same Plan, New Carrier

Keep the same plan letter and benefits
Compare premiums with other carriers
Medical underwriting may apply
You can apply year-round

Different Med Sup Plan

Explore options such as Plan N or High-Deductible Plan G
Lower premium with more out-of-pocket cost
Medical underwriting may apply
You can apply year-round

Medicare Advantage

Different way to receive Medicare coverage
Includes networks, copays, drug coverage, and extra benefits
Review with HTA before making a change
Must switch during AEP: Oct 15-Dec 7

Underwriting Considerations

Changing Medicare Supplement plans may require medical underwriting.

You may need to answer health questions
The carrier may review your health history or medications
Your application must be approved before you change plans
Certain health conditions may affect eligibility

Preview Sample Health Questions

View a list of sample health questions that may be asked to determine medical underwriting eligibility.

View Sample Questions

If you would like HTA to review your Medicare Supplement options, please have your current plan and new renewal premium available.

Schedule a Medicare Supplement Review

Learn More About Your Medicare Coverage Options

Plans F & G

Learn how Plans F and G work and understand their key coverage differences.

Plan N & High-Deductible F/G

Learn how these lower-premium options work and where you may have more out-of-pocket costs.

Medicare Supplement vs. Advantage

Understand the key differences before switching to Medicare Advantage during AEP.