Can I still change my Medicare plan after age 75?

Yes. During Annual Enrollment or certain Special Enrollment Periods, you can change Advantage, Supplement, or drug plans.

Is Medigap available to people over 75?

Often, yes—but medical underwriting may apply depending on your state and timing. We’ll help you find out.

What if I’ve never enrolled in Medicare?

You may still qualify. We’ll walk you through enrollment options based on your age and situation.

Is it too late to add drug or supplemental coverage?

In most cases, no. You may still be eligible to add or update your coverage.

Medicare Help for Seniors

It’s never too late to get support that fits your life.

Whether you’ve had the same Medicare plan for years or are just now looking to enroll, your needs at age 75 and beyond may be very different from what they were at 65. At BCI Insured, we specialize in helping older adults understand their options, make confident changes, or simply review what they already have.

No pressure. No fees. Just the answers you need from someone who listens.

You’re Not Too Late—You Have Options

Many seniors assume that once they’ve enrolled in Medicare, they’re locked in for life. Not true. You can still:

Switch from Medicare Advantage to a Supplement (or vice versa)

Review your drug coverage each year

Add supplemental insurance like dental or vision

Change plans if your needs or medications have changed

We’ll guide you through what’s available now and what makes sense based on your current health, lifestyle, and goals.

Why Seniors Come to BCI Insured

We understand how needs shift later in retirement

We’re patient and thorough—we’ll never rush your decisions

We’re independent—we offer guidance, not sales pitches

We help you plan for peace of mind, not just coverage

Whether you’re planning ahead or adjusting after a surprise hospital visit, we can help you assess your plan and ensure you’re getting the most from Medicare.

Common Life Changes We Help With

New diagnosis or specialist needs
Prescription drug changes
Moving to a new state or care facility
Losing a spouse or changing income sources
Simply wanting a second opinion on your current plan

We’ll meet you wherever you are in life—without overwhelming you with jargon or fine print.

Still on the Same Plan You Chose at 65?

Many clients come to us after realizing the plan they picked at 65 no longer fits their situation. We help them:

Understand if they're overpaying
Identify benefits they didn’t know they qualified for
Compare simpler or more flexible options
Add coverage they might have skipped before (like dental, hearing, or vision)

You deserve support that evolves with you—and that’s what we provide.

FAQs for Seniors 75+

Can I still change my Medicare plan after age 75?
Yes. During Annual Enrollment or certain Special Enrollment Periods, you can change Advantage, Supplement, or drug plans.
Is Medigap available to people over 75?
Often, yes—but medical underwriting may apply depending on your state and timing. We’ll help you find out.
What if I’ve never enrolled in Medicare?
You may still qualify. We’ll walk you through enrollment options based on your age and situation.
Is it too late to add drug or supplemental coverage?
In most cases, no. You may still be eligible to add or update your coverage.

Let’s Make Sure Your Medicare Still Fits Your Life

Your health has changed. Your needs have changed. Let’s make sure your Medicare plan keeps up. We’ll help you review your options and make adjustments—without stress or pressure.

Have a question?