What to Do During the Medicare Advantage Disenrollment Period

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What You Can and Can’t Do During the Medicare Advantage Disenrollment Period

The annual Medicare Advantage Disenrollment Period (MADP) starts on January 1, 2015 and ends on February 14, 2015, lasting a total of 45 days. Beneficiaries who are enrolled in a Medicare private health insurance plan are allowed to make certain changes to their coverage during this time period.

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What You Can Do

If you’re in a Medicare Advantage Plan, you can leave your plan and switch to Original Medicare. During this time period you may elect to join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the month after the elected program/plan receives your enrollment information.

Medicare Advantage Plans

If you have a Medicare Advantage Plan with or without prescription drug coverage, you can switch to:

  • Original Medicare and a Prescription Drug Plan*
  • Original Medicare without a Prescription Drug Plan

Medicare Private Fee-for-Service Plans

If you have a Medicare Private Fee-for-Service Plan without prescription drug coverage and have a stand-alone prescription drug plan, you can switch to:

  • Original Medicare. Must keep your current Prescription Drug Plan

Original Medicare Plans

If you have Original Medicare with or without a prescription drug plan:

  • You cannot make any changes to your plan during this time

* People with a Medicare Advantage Plan and a separate stand-along drug plan can switch to Original Medicare but cannot change the stand-alone drug plan.

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What You Can’t Do

There are a few things that you cannot do during the disenrollment period. You may not switch from Original Medicare to a Medicare Advantage Plan. You can’t switch from one Medicare Advantage Plan to another or switch from one Medicare Prescription Drug Plan to another. You’re also unable to join, switch, or drop a Medicare Medical Savings Account (MSA) Plan.

It’s Your Right to Request Accessible Formats

As a person with a visual impairment or a person who is blind you are entitled to equal access to all documents in alternative formats like braille, large print, audio and accessible electronic documents. Please contact your Medicare Insurance provider and ask for the format that will allow you equal access to review all of the associated documents needed to make an educated decision during the Medicare Advantage Disenrollment Period that will best fit your needs.

We’ve compiled this short request-letter you can download and send to your provider. Simply fill in your insurance information up top, choose the accessible format you prefer and sign your name at the bottom. Mail the completed form to your insurance company. Download Letter Here

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This post was written by Christine Sket

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