Medicare Advantage Disenrollment Period (MADP) and Medicare Supplement Plan

If you are dissatisfied with your Medicare Advantage plan, you may disenroll from it starting on the 1st of January during the Medicare Advantage Disenrollment Period (MADP). You may also consider enrolling in the Medicare Supplement plan (Medigap plan).

Medicare Advantage Disenrollment Period (MADP)

The Medicare Advantage Disenrollment Period (MADP), which runs annually from the 1st of January through the 14th of February, allows you only to disenroll from the Medicare Advantage Plan.

During this period, you can do the following:

  • If you’re in a Medicare Advantage plan, you can leave your plan and switch to Original Medicare. Your Medicare Advantage plan may or may not include Part D drug coverage (MA or MAPD, correspondingly). The effective date of disenrollment is the first of the month following the acceptance of the disenrollment request.
  • Regardless of whether you have MA or MAPD, if you switch to Original Medicare during this period, you will go through a Special Election Period (SEP) to enroll in the standalone Medicare Prescription Drug plan (PDP). You may enroll in PDP at any time during MADP. Your coverage will begin the first day of the month after your enrollment form is received.
  • If you have the Medicare Advantage plan that includes Part D coverage (MAPD), just enroll in the PDP plan of your choice. You will automatically be disenrolled from your old Medicare Advantage plan.
  • If you have MA only PFFS plan and a standalone PDP, you can switch to Original Medicare but you must keep your current Prescription Drug plan

During this period, you can’t do the following:

  • Switch from Original Medicare to a Medicare Advantage Plan.
  • Switch from one Medicare Advantage Plan to another.
  • Switch from one Medicare Prescription Drug Plan to another.
  • Join, switch, or drop a Medicare Medical Savings Account Plan (MSA).

Medicare Supplement Plan (Medigap Plan)

If you return to Original Medicare, you will need to decide whether or not to buy a Medicare Supplement Plan, also known as Medigap Plan. Medicare Supplement is a health insurance policy (sold by private insurance companies) that helps fill in the gaps of Part A and Part B coverage. There are 10 standardized plans, each covering a specific set of benefits. As in Original Medicare, you may use it with any doctor or hospital that accepts Medicare.

However, most insurance companies providing Medicare Supplement will use medical underwriting to decide whether or not to accept your application, the only exception being if you are covered by the Guaranteed Issue Rights. To avoid problems with enrollment denial, we recommend getting the help of Medicare professionals like Liberty Medicare. By dealing with multiple insurance companies and knowing their underwriting policies, we can help you explore your options with Medicare Supplement. Notice that MADP disenrollment does NOT result in Guaranteed Issue Rights for Medicare Supplement.

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

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