In the past, if beneficiaries were unhappy with a Medicare Advantage plan selected during AEP, they were either stuck with it or had from January 1 to February 14 to switch to traditional Medicare and get a Part D policy. But new rules starting in 2019 give consumers more flexibility – and time. Now, if a beneficiary is unhappy with the choice of plan, they have from January 1 to March 31 to swap one M/A plan for another. They may also switch from a M/A plan to traditional Medicare with a Part D policy. But there’s no guarantee they’ll qualify for a Med Supp policy. After March 31, beneficiaries still may have some limited opportunities to change plans, and they may switch into an M/A plan with a five-star quality rating anytime during the year.