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Over 1.1 million people are currently enrolled in non-renewing 2019 Medicare Advantage plans and may lose their 2020 Medicare plan coverage

Category: Annual Medicare Plan Changes
Published: Oct, 02 2019 09:10:51


Is your 2019 Medicare Part D prescription drug plan or Medicare Advantage plan still being offered in 2020?

Over 1.1 million people are currently enrolled in a 2019 Medicare Advantage plan (MA and MAPD) that is not renewing its contract with the government and these people may lose their 2020 Medicare plan coverage - unless they enroll into another Medicare plan.  In addition, 3 million other people will be automatically moved from their current 2019 Medicare plan to another 2020 Medicare plan.

What are non-renewing Medicare plans?

Each year, Medicare plans have the option of not renewing their Medicare contract.  When this happens, the Medicare plan can be discontinued across the country or in a specific service area (state or ZIP code).  If a Medicare beneficiary is enrolled in a non-renewing Medicare plan, they may be without Medicare plan coverage for the entire year (all of 2020) unless they enroll in a different Medicare plan during the annual Open Enrollment Period (the AEP starts October 15th and continues through December 7th) or have access to a Special Enrollment Period allowing them to change plans outside of the AEP.

Why is your 2019 Medicare plan not offered in 2020?

Your 2019 Medicare plan may be discontinued (non-renewing) due to several different reasons:
  • Plan Consolidation

    When multiple Medicare plans from one company are brought together into one plan, or a Medicare Part D plan from one company may be merged together with a Medicare Part D plan from another company.  Members will be automatically "crosswalked" to (or merged into) a new 2020 Medicare plan.

  • Service Area Reduction (SAR)

    Medicare plans have the option to discontinue their plan in specific service areas of the country.  The Medicare plan's affected service area may be an entire state, specific counties, or ZIP codes.  It is possible that plan members in some areas will remain in the Medicare plan and the plan will be discontinued in other areas. 

    In some cases, a discontinued plan will "crosswalk" plan members to a new Medicare plan, but, in other cases, the members of a discontinued 2019 plan will be without coverage if they do not select a new 2020 Medicare Part D or Medicare Advantage plan.  Remember, there is a Service Area Reduction Special Enrollment Period (SAR SEP) starting on December 8th and continuing through the end of February allowing you the possibility of enrolling in a 2020 Medicare plan after the December 7th close of the annual Open Enrollment Period (AEP).

  • Terminated Medicare Plans

    Sometimes an insurance company will choose to terminate a specific Medicare plan or it is possible that the Centers for Medicare and Medicaid Services (CMS) will terminate an insurance company's contract and the Medicare plan will no longer be offered. All members of a terminated 2019 Medicare plan will need to choose a new Medicare plan or be without coverage in 2020.

How many 2019 plan members will be affected by non-renewing Medicare plans?
  • Almost 3 million people are being crosswalked to a new Medicare plan.

    Approximately 744,400 members in non-renewing 2019 stand-alone Medicare prescription drug plans (PDPs) and an additional 2,069,600 members in non-renewing Medicare Advantage plans (MA and MAPDs) will be automatically "crosswalked" to new 2020 Medicare plans.

  • Over 1.1 million people are loosing their coverage if they do not select a new Medicare plan.

    Approximately 1.12 million members are currently enrolled in 2019 Medicare Advantage plans that will be terminated in 2020. These members will NOT be crosswalked and will be without 2020 coverage if they do not actively enroll in a new Medicare Advantage plan.
In these situations, members of a Medicare Part D plan will be notified in their Annual Notice of Change (ANOC) letter about the plan termination or consolidation - and be given the option to join another plan during the annual Open Enrollment Period.

If members do not join another Medicare plan, they may find themselves automatically moved (or crosswalked) into another Medicare plan at the start of the next plan year, or they will be without coverage.

We will first look at stand-alone Medicare Part D plans (PDPs) and further down in this article, we will discuss Medicare Advantage plans (MAs and MAPDs).


Important changes to 2019 stand-alone Medicare Part D plans (PDP)
  • All discontinued 2019 Medicare Part D Prescription Drug plans will crosswalk members to other Part D plans.

  • 744,427 members in the 104 PDPs (5 different plans) will be crosswalked to a new PDP in 2020. Below is a chart highlighting some of the stand-alone Medicare Prescription Drug plan "crosswalks" for 2020.

  • 6,251,297 members in the 190 PDPs (11 different plans) will find the name of their 2020 plan is different from 2019 -- with significant changes in plan coverage.

    You can review 2020 Medicare prescription drug only plan changes using: PDP-Compare.com/2020.

Examples of 2019 Part D plans being crosswalked into other plans in 2020.


Crosswalked stand-alone Medicare Part D plans (PDPs)
(with the number of plan members impacted)
Plan Name States Members Affected
Humana Enhanced (PDP) members crosswalked to Humana Premier Rx Plan (PDP) in all states 656,493
SilverScript Allure (PDP) members crosswalked to SilverScript Choice (PDP) in all states 30,172
WellCare Extra (PDP) members crosswalked to WellCare Medicare Rx Value Plus (PDP) in all states 54,703


Examples of 2019 Medicare Part D plans changing names (and coverage) in 2020.

Stand-alone Medicare Part D plans (PDPs)
with name changes and possibly significant feature changes 
Plan Name States Members Affected
Aetna Medicare Rx Saver (PDP) will become WellCare Medicare Rx Saver (PDP)
in all states 1,195,698
Aetna Medicare Rx Select (PDP) will become WellCare Medicare Rx Select (PDP)
in all states 708,551
Aetna Medicare Rx Value Plus (PDP) will become WellCare Medicare Rx Value Plus (PDP)
in all states 477,088
EnvisionRxPlus (PDP) will become EnvisionRxSecure (PDP)
DC DE MD 95,691
Humana Enhanced (PDP) will become Humana Premier Rx Plan (PDP) PR  4,873
Humana Preferred Rx Plan (PDP) will become Humana Basic Rx Plan (PDP) in all states  1,605,119
Humana Walmart Rx Plan (PDP) will become Humana Premier Rx Plan (PDP) in all states  1,974,067


Important changes to 2019 Medicare Advantage plan (MA and MAPD) - plan mergers and terminations
  • 337 Medicare Advantage plans will be discontinued in 2020 without crosswalking members to other plans.   These current plan members will need to select another 2020 Medicare plan or possibly be without Medicare plan coverage through 2020.

  • How many people are affected by discontinued Medicare Advantage plans?

    1,119,917 Medicare Advantage plan members in the
    337 Medicare Advantage plans terminating in 2020, will find that their 2019 Medicare Advantage plan will not be offered in 2020.

  • In addition, 2,069,619 plan members in 279 Medicare Advantage plans will be crosswalked to a new Medicare Advantage plan in 2020.  The vast majority of crosswalks are to similarly named plans, however plan member are still strongly encouraged to review the features of their new plan.

  • Bottom Line:  Many counties across the country will see significant changes in their Medicare Advantage plan landscape.  You can review 2020 Medicare Advantage plan changes using our MA-Compare tool found here: MA-Compare.com/2020.

Examples of some of the 2020 Medicare Advantage plan "crosswalks".

Examples of Medicare Advantage plan Reassignments
2019 Medicare Advantage Plan New 2020 Medicare Advantage Plan State(s) Members Affected
AARP MedicareComplete Choice Plan 2 (Regional PPO)
AARP Medicare Advantage Choice Plan 2 (Regional PPO)
67 Counties in FL 116,659
Blue Medicare HMO Enhanced (HMO)  Blue Medicare Enhanced (HMO) 55 Counties in NC 24,243
AARP MedicareComplete Plan 1 (HMO) AARP Medicare Advantage Walgreens Plan 1 (HMO) H1111-009 13 Counties in GA 12,924
Advantra Advantage (HMO) Aetna Medicare Premier (HMO) H2663-026 1 County in KS 2,334
Community Blue Medicare PPO Signature (PPO) Community Blue Medicare PPO Distinct (PPO) H3916-035-3 9 Counties in PA 2,147
Fallon Senior Plan Saver Enhanced Rx (HMO-POS) Fallon Medicare Plus Green HMO (HMO) H9001-030-11 2 Counties in MA 3,362
WellCare Essential (HMO) WellCare Today's Options Classic (HMO) H4868-001 4 Counties in NY 2,037

Need a faster way to see if your Medicare Part D or Medicare Advantage plan is changing in 2020?

Our PDP-Compare and MA-Compare tools allow you to compare annual 2019/2020 changes in all stand-alone Medicare Part D prescription drug plans (PDPs) or Medicare Advantage plans (MAs or MAPDs) across the country showing changes in monthly premiums and plan design changes, as well as changes in co-payments or co-insurance rates for different drug tiers along with the most recent Medicare quality star ratings.

Both the PDP-Compare and MA-Compare also show the Medicare Part D plans or Medicare Advantage plans that will be merged, discontinued, or added in 2020.

Not sure where to begin with all this information?

Medicare beneficiaries can telephone Medicare at 1-800-633-4227, speak with a Medicare representative, and learn more about their 2020 Medicare Part D and Medicare Advantage plan options.






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  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
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  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.