Can I Switch from Medicare Advantage Back to Original Medicare? - Trusted Senior Specialists

Yes, you can absolutely switch from a Medicare Advantage plan back to Original Medicare during the Annual Enrollment Period (AEP), which takes place from October 15th to December 7th.

But there is more to this question that you should know about—here is all you need to know about the AEP, Medicare Advantage, and why you might want to switch back to Original Medicare.

What to Know About the Annual Enrollment Period

Because your only opportunity to change from Medicare Advantage back to Original Medicare takes place during the AEP, you should know a bit more about it to better inform your switch. Prior to the AEP, you will receive an Annual Notice of Change (ANOC) and/or Evidence of Coverage (EOC). 

For the Advantage plan you are considering leaving, you will want to review it and submit a request to cancel it with this notice. Be sure (if you are able) to complete as many steps in this process before the AEP as possible, that way you can be fully prepared for it once it begins. However, if you can/do not begin prior to the AEP, you will still have time to do so during it, as long as you are proactive.

What Is Medicare Advantage and How Does it Work?

Chances are, if you are already enrolled in an Advantage plan, you are already pretty familiar with it. However, before making the switch back to Original Medicare, you should know a few things about how it works.

You cannot be rejected for health reasons from an Advantage plan, even if your health worsens or you have a preexisting condition. You can feel comfortable leaving your current plan, then, because you do have the option to return later on if necessary.

However, be aware that if you do choose to return, your premium will more than likely be higher than it was originally. Once you enroll in an Advantage plan, your premium is locked in place and cannot change due to age or health. If you were to enroll in a new plan, however, they may set a higher rate.

Ready to Make Changes to Your Medicare Plan? 

Our business is with people just like you—we help people get the Medicare coverage they need with free, high-quality, no-strings-attached insurance help. If you want to speak with one of our team members, call Trusted Senior Specialists today at (855) 952-1941.