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 it’s 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 want to understand what other options may be available.

When Is My Medicare Supplement Renewal?

Your renewal is usually based on the month your policy originally became effective.

Your policy typically renews once each year
Renewal is tied to your original effective date
Your plan renews automatically as long as you continue paying your premium

Watch: Best Time to Review your Medicare Supplement Plan

Finding Your Renewal Date

Check your Medicare Supplement ID card for the policy effective date
Your renewal is usually the same month each year
Example: 7/1/2023 → July renewal
UnitedHealthcare: premiums typically renew on January 1

Why Did My Premium Increase?

Medicare Supplement plans typically have annual rate increases.

Premiums may change because of factors such as higher healthcare costs and inflation.

Most policies increase rates once a year around your policy renewal
You’ll typically receive notice of any premium change before your renewal
Your plan will automatically renew as long as you continue paying premiums

Important: A rate increase does not automatically mean you need to change plans.

In 2026, Medicare Supplement rate increases have averaged about 15% nationwide

Growth stack coins chart and red doctor medical box on top with white wall background.

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’d like to review your current plan or explore other Medicare Supplement or Medicare Advantage options:

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.