Yes you can. You have a special election anytime during the year to select to change to a Medicare supplement/medigap policy along with a Medicare stand-alone drug plan. Before making the decision to leave your husband’s employer plan, first make sure you have compared your current prescription drug costs under the employer plan with the Medicare stand-alone drug plans available in your area. In addition, factor in the cost of a the Medicare supplement/medigap policy in your area.
(Note: Just like employer plans can change from year to year, insurance companies providing Medicare stand-alone prescription drug plans can also change what drugs they cover, at what tier and at what cost. Also annually Medicare adjusts the parameters of drug plans.
Insurance companies for Medicare supplement/medigap policies can have rate increases each year for the plans they offer as well as the age ranges they cover. The plan benefits, however, do not change; they are defined by Medicare.)