If you got a letter saying your plan won't be offered in your area for 2027, take a breath. You have options and you have time — but not unlimited time. Here are the dates that matter, what happens if you do nothing, and how to pick your next plan.
📞 Review My OptionsIf your plan ends December 31, this is your calendar.
Plans that won't renew must notify members at least 90 days before coverage ends. Keep this letter — it's your proof you qualify for the special windows below.
Pick a new plan now and it starts January 1 with no gap. This is the simplest, safest path.
Because your plan is leaving, you have a federal right to buy certain Medicare Supplement plans with no health questions — from 60 days before your plan ends until 63 days after.
Coverage, including drug coverage, stops at midnight.
If you miss December 7, you still get a special window to join a new plan. But coverage starts the month after you enroll — so there can be a gap.
Neither is right for everyone. It comes down to your doctors, prescriptions, budget, and how much you travel.
Switch to a different Advantage plan that's still offered in your county.
Use your guaranteed-issue right to get a Medigap plan without health questions, plus a separate drug plan.
No. Your Medicare Part A and Part B stay in place. Only your Advantage plan is ending. If you do nothing, you'll be moved to Original Medicare, but without drug coverage or a supplement.
No. Your plan ends on its own on December 31, and when you enroll in a new plan the change is handled for you.
Often, yes. With another Advantage plan, it depends on that plan's network. With Original Medicare and a supplement, you can see any provider nationwide who accepts Medicare. We'll check your doctors before you choose.
No. Because your plan left, you have a special enrollment period through the end of February, and your Medigap guaranteed-issue rights last until 63 days after your plan ends. But coverage may not start right away, so call as soon as you can.
No. My help costs you nothing. Agents are paid by the insurance companies, and your premium is the same whether you enroll through me or on your own.
One call. We'll look at your doctors and prescriptions and find your best next step.
(208) 806-8887 ✉️ Email ChrisAppointments Mon–Wed & Fri–Sat 9am–9pm · Thursday until 2pm