What to do if your Medicare advantage plan is suspended?

What to do if your Medicare advantage plan is suspended?

If your Medicare advantage plan is no longer used, you may want to know how this can be done and what you can do. Here is some information for you.  As a general rule, Medicare advantageal plans (Medigap) are “guaranteed to be renewable”. This means that, even if you develop new health conditions, your plan can not decide that it will no longer insure you. However, there are situations in which you may lose coverage, as explained below.

Why can my Medicare advantage plan be suspended?

There are several reasons why your Medicare Advantage Plan (Medigap) would no longer be available to you. For instance:

  • Your Medicare insurance firm closed their business
  • Your Medicare advantageal insurance goes bankrupt
  • The coverage of your Medicare advantage ended without your fault.

However, there are situations in which you may lose your Medicare Advantage Directive because of something you have done. E.g.

  • You have not paid the monthly premiums for your Medicare advantage plan
  • You have falsified your application for the plan

Can I get a Medicare advantage plan if my plan gets canceled?

If your Medicare advantage plan is suspended for reasons beyond your control, you may have a guaranteed issue right to buy any of the Medicare advantage plans sold in your state: i.e. Plans A, B, C, F, K or L. (For most states, Medicare advantageal plans have letters.) Massachusetts, Wisconsin, and Minnesota have their own standardized plans. If you are in one of these states, you can contact your state insurance department.  A guaranteed issue right implies that an insurance company cannot deny you a Medicare advantage plan. It cannot charge you more due to your health situation. Also, it cannot set conditions on your policy, such as: making a statement that it will not cover your health status. If my Medigap plan is discontinued, wow long do I have to get a new plan?

If you still want this type of coverage, you must request a new Medicare advantageal policy within 63 days after the end of coverage.  Do you have questions about Medicare advantageal plans? If you want to start navigating right now, the Compare plans or Search plans buttons show the plan options in your location. The descriptions of products and services provided on the Medicare.com websites do not constitute sales, offers or requests related to a product or service. All products may not be available in all areas and are subject to laws, rules and regulations.  If you cancel your Medicare advantage plan, you may not be able to get the same Medicare advantage plan if you later decide that you have a Medicare advantage plan in addition to your Medicare Part A and Part B insurance.  The purpose of this communication is to request insurance. The contact is made by an insurance agent / manufacturer or an insurance company.  Medicare advantageal insurance plans are not affiliated with or endorsed by the federal Medicare program the US government.