Here are some general situations in which you can usually switch from a Medicare Advantage plan to a guaranteed Medicare supplement plan. This list may not cover all situations in which you obtain guaranteed issue rights. Keep in mind that these situations are generally limited in time. In most cases, you will request supplemental Medicare insurance within 63 days after the completion of your Medicare Advantage insurance.
You enrolled in a Medicare Advantage plan the first time you qualified for Medicare and are not satisfied with the plan you had for one year or less. Generally, you will have a special right to buy a Medicare Supplement if you return to Medicare Part A and B within 12 months after enrollment in the Medicare Advantage plan.
- You move to an area where your Medicare Advantage plan is not available.
- Your Medicare Advantage plan will no longer cover the area in which you live.
- Your plan is out of contract with Medicare.
You may not have the option among the ten standardized Medicare supplemental plans that are available in many states. The choices available to you may be limited to certain Medicare supplement plans. How do I change to a Medicare supplemental plan from a Medicare Advantage plan?
Before making any changes to the Medicare plan, you must make sure that the plan of your choice from the Medicare plan (from which you can buy) is available at a price that you are satisfied with. You can leave a Medicare Advantage plan (for an appropriate period of time, as described above) in many ways, such as:
- Contact the Medicare Advantage plan you choose to leave and request for a de-registration form.
- Contact 1-800-MEDICARE to request cancellation over the telephone. Users of TTY should call 1-877-486-2048. Medicare representatives are available 24 hours a day, 7 days a week, in all time zones of the US.
- Visit your Social Security office or call the Social Security Administration to submit your cancellation request.
- You can contact Social Security at 1-800-772-1213. Representatives are available from 7:00 a.m. at 7:00 p.m. Monday through Friday in all time zones of the US.
If you leave the Medicare Advantage plan, you will automatically be transferred to Original Medicare, Part A and B. However, keep in mind that the 2019 United healthcare Medicare Advantage plan you have left includes the prescription and still has prescription drug coverage in a separate plan of Medicare Part D for prescription drugs. “If you apply, you can request that your Part D prescription drug coverage begin on the future date that your Medicare supplement plan begins.
There are several practical ways to get more information about your Medicare coverage. The descriptions of products and services provided on the Medicare websites do not constitute offers of sale or solicitation of any product or service. All products are not available in all areas and are subject to the applicable laws, rules or regulations of the Federal Medicare program.