MedicarePartD.guide

A non-government resource built from CMS public data

Can I re-enroll in my Medicare Part D plan if I re-pay my unpaid premiums?

Medicare plan disenrollment · updated Jun 06, 2025

Maybe.  If a person is disenrolled from their Medicare Part D or Medicare Advantage plan for failure to pay their monthly premiums and wants to re-enroll in their Medicare Part D plan during an available enrollment period (such as the annual Open Enrollment Period (AEP) or during a Special Enrollment Period (SEP)), then their Medicare plan may require them to pay any outstanding premiums owed to the plan before accepting the new enrollment request.
Medicare notes:
"Once an individual is disenrolled for failure to pay premiums:
  • Plan can decline re-enrollment in the plan until payment of any outstanding past due premiums is received.
  • Re-enrollment or enrollment in another plan must be requested during a valid election period.
Payment of past due premiums after the disenrollment date does not create an opportunity for reinstatement into the plan from which the individual was disenrolled for failure to pay premiums, except that CMS (or an entity acting on behalf of CMS) may reinstate enrollment, without interruption of coverage, if the individual demonstrates good cause and pays all of the overdue premiums within three calendar months of the disenrollment date." [emphasis added]


Question: Will a Medicare plan give me notice of my unpaid premiums before disenrolling me?

Yes.  Before someone is disenrolled from their Medicare Part D plan for failure to pay monthly premiums, the Medicare plan must provide their plan Members with adequate notice of unpaid premiums, and have a grace period of no less than two (2) months to repay unpaid premiums.

As noted by Medicare:
"If the [Medicare Part D or Medicare Advantage plan] sponsor chooses to disenroll the member, this action may only be accomplished by the sponsor after the sponsor makes a reasonable effort to collect the payment and notice has been provided to the member (as described [in the Medicare Manual]).  If payment has not been received within a grace period, the individual will be disenrolled."
So yes, if a person fails to pay their monthly premiums, and the plan provides proper notice of the overdue premium payments, and the person is disenrolled from their Medicare Part D plan - the person can repay the unpaid premiums - and rejoin the same Medicare Part D plan during the next annual Open Enrollment Period (AEP) that begins October 15 and continues through December 7th - or by using any available Special Enrollment Period (SEP).


Question:  Can I be reinstated in my Medicare plan by just repaying my unpaid monthly premiums - even though we are outside of the AEP?

Maybe - but only if you can show "good cause" of why you did not pay your premiums - or have an SEP.   If a person was disenrolled from their Medicare Part D plan for non-payment of their monthly plan premiums, the person must show "good cause" of why they failed to make their premium payments - even after they have repaid the past premiums within the specified time.

In general, reinstatement for "Good Cause" occurs only when a person's failure to make timely premium payment was due to unique, unusual, or unexpected circumstances over which they had no control and could not reasonably have been expected to foresee and such an event most likely will never occur again.

The Medicare Manual provides several examples of  "circumstances that do not constitute good cause [including]:
  • Allegation that bills or warning notices were not received due to unreported change of address, out of town for vacation, visiting out of town family, etc;
  • Authorized representative did not pay timely on member’s behalf;
  • Lack of understanding of the ramifications of not paying plan premiums or Part D-IRMAA;
  • Could not afford to pay premiums during the grace period;
  • Need for prescription medicines or other plan services." [emphasis added]
Please click here to read more about being reinstated into your Medicare Part D plan by showing Good Cause
on this site


Question: What happens if I cannot show good cause to be reinstated?

You probably will not able to rejoin the Medicare plan outside of a valid enrollment period.  If a person has repaid their unpaid premiums, but cannot show "Good Cause", then they probably will not be reinstated into their Medicare plan.  As noted above, the person may be able to re-enroll into the Medicare plan during the annual Open Enrollment Period (AEP) or by using a Special Enrollment Period - such as the 5-star Special Enrollment Period that allows you a once-a-year opportunity to join a Medicare Part D plan or Medicare Advantage plan that has a 5-star quality rating.

You can click here for a few other common Special Enrollment Periods (SEPs).

As reference, please see:
Medicare Advantage and Part D Enrollment and Disenrollment Guidance Updated: 2024

Medicare Prescription Drug Benefit Manual, Chapter 3 - Eligibility, Enrollment and Disenrollment, Updated: August 19, 2011, (Revised: August 15, 2023))

Please also see: