When a Medicare Advantage Plan Closes, Inaction Has a Default
A slew of Medicare Advantage plans are disappearing for next year, leaving seniors in many areas with fewer options. In 193 counties across the country, no plans are offered at all.
If your plan is ending and you do not choose another, the insurance company will assign you to another Medicare Advantage plan, or the government will enroll you in traditional Medicare — but without a supplemental or drug plan.
If you want to switch from Medicare Advantage to traditional Medicare and your plan is ending, you can enroll in a Medicare supplemental plan, also known as Medigap, without the same restrictions you would normally face.
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The default is the sharpest detail: doing nothing can put you in traditional Medicare without a supplemental or drug plan, which is not the same as choosing it.
Timing may matter more than the default: companies can cap enrollment on some plans they do offer, and they are supposed to enroll on a first-come, first-serve basis without cherry-picking, so a plan you want might already be full if you wait.