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If I am not happy in my Medicare Advantage plan, can I go back to my Original Medicare Part A and Part B or my old Medicare Supplement coverage?


Yes.  During the annual Open Enrollment Period, you can change Medicare Advantage plans or leave your Medicare Advantage plan and return to original Medicare Part A and Part B.

If your Medicare Advantage plan also has a prescription drug benefit (MAPD) or you are leaving an MA-only (without drug coverage), you can return to original Medicare Part A and Part B and enroll in a stand-alone Medicare Part D prescription drug plan (PDP).

Returning to a Medicare Supplement within 12 months of enrolling in a Medicare Advantage plan

You may be able to leave your Medicare Advantage plan and return to (or join) a Medicare Supplement if you are within the first 12-month of Medicare Advantage plan enrollment or your trial right period.

Medicare provides for two Medicare Advantage plan "trial periods" that allow you to return to a Medicare Supplement policy with guaranteed issue rights (no medical underwriting), - and, depending on where you live, your state may provide additional guaranteed issue rights for joining a Medicare Supplement.

Trial Right #1 - Joining a Medigap plan after first joining a Medicare Advantage plan

If you joined a Medicare Advantage plan (MA or MAPD) when you were first eligible for Medicare (you turned 65) and within 12 months of joining the Medicare Advantage plan (your trial period), you decide to leave the Medicare Advantage plan, you are provided a guaranteed issue right to join any Medicare Supplement that is available in your state.

As noted by the Centers for Medicare and Medicaid Services (CMS):
"[If y]ou joined a Medicare Advantage Plan (like an HMO or PPO) or Programs of All-inclusive Care for the Elderly (PACE) when you were first eligible for Medicare Part A at 65, and within the first year of joining, you decide you want to switch to Original Medicare - You have the right to buy [a]ny Medigap policy that's sold in your state by any insurance company."

If you are outside of this 12 month "trial period", you may be subject to medical underwriting (again, some states provide for more generous "guaranteed issue" rights).

Trial Right #2 - Changing back to your Medigap plan after joining a Medicare Advantage plan

If you were enrolled in a Medicare Supplement and then leave your Medigap plan to join a Medicare Advantage plan, you have a right to return to your Medigap plan (or other plan if no longer available) within the first 12 months of Medicare Advantage plan enrollment.

Also CMS allows for a "trial period" if: "[y]ou dropped a Medigap [or Medicare Supplement] policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time, you’ve been in the plan less than a year, and you want to switch back - you have the right to buy [t]he Medigap policy you had before you joined the Medicare Advantage Plan or Medicare SELECT policy, if the same insurance company you had before still sells it."

If your former Medicare Supplement is no longer in existence, you will be permitted to join Medicare Supplement Plan A, B, C, F, K, or L. (Remember that Medigap Plan C and Plan F will no longer be accepting enrollments starting in 2020.)

[Source: Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare, Centers for Medicare and Medicaid Services]

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  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
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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.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • 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.