One-Time Special Enrollment

A one-time special enrollment period is coming up in 2021 that we want you to be aware of.  If you’re a Medicare beneficiary with either Medigap Plan C or Plan F, you’ll want to pay close attention!

As the Colorado Division of Insurance phases out Medigap Plans C and F, a special enrollment period is now finalized. This will allow holders of Medigap Plans C and F to transition to a Plan D or Plan G.

This one-time period will allow Medigap enrollees, including those with pre-existing conditions affecting their health, to update their plan without medical underwriting.

Special Enrollment Period Details

  • Runs January 1, 2021 – June 30, 2021
  • For anyone who became eligible for Medicare prior to 2020, and is currently enrolled in Medigap Plan C or F
  • Plan C holders may switch to any available Plan D
  • Plan F holders may switch to any available Plan G
  • Only one plan change per plan holder during the special enrollment period

Phasing Out Popular Plans

Though Medigap Plans C and F have long been a favorite, a legislation was enacted in 2015 requiring the plans could no longer be sold to folks just becoming eligible for coverage.  2019 was the last year to enroll for Plan C or F Medigap coverage.

Medigap Plans C and F were the only plans to cover the Part B deductible.  The thought among legislators was that healthcare users would be more judicious in the use of healthcare resources by putting in for some out-of-pocket charges.

The Part B Deductible

Legislation requires a Medicare beneficiary to cover a small portion of out-of-pocket-charges when seeking medical treatment, also known as the Part B deductible.  In 2020 the Part B deductible is $198.

More to Come

At Hometown Insurance Professionals, we’re keeping up with the latest on this upcoming Special Enrollment Period for Medigap users who currently have Plans C or F.

We understand this can be a lot to take in.  Let us know your questions about these upcoming changes in Medicare.

Here to Help

We hope you find this information useful! Let us know how we can help you with your insurance needs. If you have questions about coverage options in Colorado, or New Mexico, give us a call @ +1 (970) 264-4321 or email to!