Don’t Miss This: NYC Seniors Can Still Switch Advantage Plans After Jan 1 — Here’s How

The Window Isn’t Closed Yet — But It’s Narrow

If you’re a senior in New York City and thought you missed your chance to change Medicare Advantage plans after January 1, take a breath. You may still have options — but the clock is ticking. Every year, thousands of seniors stay stuck in plans that don’t work for them, just because they didn’t know about the Medicare Advantage Open Enrollment Period (OEP).

Table of Content

1.What Is the Medicare Advantage Open Enrollment Period?
2. Why NYC Seniors Are Still Switching in February and March
3.Who’s Eligible to Switch Plans?
4.What Happens If You Don’t Switch?
5.How SecureSafer Can Help You Navigate the Changes
6. Real NYC Story: Mr. Rahman from Woodside
7. What You Should Do Next

What Is the Medicare Advantage Open Enrollment Period?

Between January 1 and March 31, individuals already enrolled in a Medicare Advantage (Part C) plan can make a one-time switch. You can move to another Advantage plan or return to Original Medicare and add a Part D drug plan.

However, you can’t enroll in a Medicare Advantage plan for the first time if you’re only on Original Medicare — that option only comes during the Annual Enrollment Period (Oct 15 – Dec 7). Source: Medicare.gov

Why NYC Seniors Are Still Switching in February and March

It happens every year. A client picks a plan thinking their doctors or medications are covered — only to find out in January that something crucial is missing. A primary care doctor may be out-of-network, or a needed specialist may require prior authorization. Co-pays for medications might be higher than expected, or they may not get a benefit they thought was included — like vision or dental.

In neighborhoods like Jackson Heights, Flushing, or the Bronx, where healthcare access can vary block by block, these details matter. Many seniors don’t realize they can still make a change — and that’s where SecureSafer steps in.

Who’s Eligible to Switch Plans?

You may qualify to switch plans during OEP if:

• You’re already enrolled in a Medicare Advantage plan
• It’s between January 1 and March 31
• You haven’t already used your one-time switch this year

Some seniors also qualify for a Special Enrollment Period (SEP), which allows plan changes due to life events — such as moving, losing Medicaid or Extra Help, or if a 5-Star plan becomes available in your area. Learn more about SEP guidelines here.

What Happens If You Don’t Switch?

If your current plan doesn’t cover your doctors or prescriptions, or if the benefits don’t match your lifestyle, staying in that plan could result in unnecessary costs or care delays. Unfortunately, after March 31, most people must wait until the fall to make a change — unless they qualify for a SEP.

How SecureSafer Helps NYC Seniors Every Day

SecureSafer Insurance Agency offers free, licensed Medicare reviews for NYC residents. We compare your plan options side by side, confirm your doctors and prescriptions are covered, and check if you’re eligible for better benefits — all with no pressure.

We work with trusted carriers like Healthfirst, EmblemHealth, Fidelis, and UnitedHealthcare, tailoring guidance to your borough, language, and personal needs. Appointments are available in person, via video call, or even in your home.

Real NYC Story: Mr. Rahman from Woodside

Mr. Rahman signed up for a plan in December assuming his cardiologist was covered. He found out in January that wasn’t the case — and he was worried he’d have to wait a full year. We helped him switch by early March to a plan that not only included his specialist but added vision and dental, too.
Now he tells every senior in his mosque: “Don’t wait — call someone who knows these plans inside and out.”

What You Should Do Next

1. Find your current Medicare Advantage card
2. Make a list of your medications and doctors
3. Visit SecureSafer or call a licensed NYC broker for a quick, no-pressure review

Compliance Note:

SecureSafer Insurance Agency is not affiliated with or endorsed by the U.S. government or the federal Medicare program. This information is for educational purposes only and subject to change. Coverage and benefits vary by plan and county. Always verify with Medicare.gov, DFS.ny.gov, or Health.ny.gov.

⏳ Time is limited. The last day to switch Advantage plans is March 31. Visit SecureSafer.com now to speak with a licensed NYC Medicare broker — and make sure your 2025 plan still fits your life. ✅ Or call (646) 444-2020 ✅ Request a policy review or switch evaluation today.

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