What to Do When Your Medicare Advantage Plan Ends

What to Do When Your Medicare Advantage Plan Ends
Highlights:
- Your Medicare Advantage plan may be discontinued — but you have
special protections.
- You can choose a new Medicare Advantage plan, a Medigap plan, or return to Original Medicare.
- Certain Medigap plans are available with guaranteed issue rights (no medical underwriting).
- Important dates: AEP (Oct. 15–Dec. 7) and Special Enrollment Period (Dec. 8, 2025–Feb. 28, 2026).
Losing your Medicare Advantage (MA) coverage can feel overwhelming — especially if it disrupts long-standing relationships with your doctors or healthcare system. Unfortunately, carriers are leaving certain markets.
The good news:
you’re not stuck without options.
Why Coverage Loss Happens
Many people are receiving notices that their Medicare Advantage plan is being discontinued or that their provider is leaving the plan’s network. While this is frustrating, it also triggers
special protections designed to make sure you still have coverage.
Your Enrollment Options
Option 1: Switch to a new Medicare Advantage Plan.
You can review and enroll in another MAPD plan during AEP (Oct. 15–Dec. 7) or use the Special Enrollment Period (Dec. 8, 2025–Feb. 28, 2026).
Option 2: Choose a Medicare Supplement (Medigap) Plan.
Because your plan was discontinued, you qualify for a
guaranteed issue right. That means you can enroll in certain Medigap plans without medical underwriting — the insurance company cannot deny your application or charge you more based on your health. Pairing Medigap with Original Medicare gives you freedom to see any Medicare-accepting provider and helps limit out-of-pocket costs.
Option 3: Return to Original Medicare (Parts A & B).
If you do nothing, you’ll automatically revert to Original Medicare on January 1, 2026. However, this does not include drug coverage (Part D). Failing to enroll in a Part D plan could leave you exposed to costs and potential late penalties.
Why Work with a Licensed Broker?
Navigating these changes on your own can be stressful. At Beuttel Insurance, we stay up to date on plan changes, enrollment timelines, and your rights. We will:
- Review your coverage notices
- Compare available Medicare Advantage plans in your area
- Help you understand Medigap options under guaranteed issue rights
- Ensure you don’t lose access to the care and providers you value
And remember — there’s
no cost to work with us, and no pressure. Just clear, personalized guidance to fit your health and financial needs.
Protect Your Coverage, Protect Your Peace of Mind
If you’ve been notified your plan is ending, don’t wait. You have choices, and the right guidance can help you make the most of them.
Call us at 530-303-3366 or visit beuttelinsure.com — we’ll walk you through the next steps to ensure your coverage stays right where it belongs: with you.







