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THE MAPD Dis ENROLLMENT WINDOW

Medicare Reminder

"Medicare Advantage Disenrollment Period (MADP) Ends February 14th"

You can switch from your Medicare Advantage plan to Original Medicare during the Medicare Advantage Disenrollment Period (MADP). You can only make this coverage change if you currently have a Medicare Advantage plan. The MADP occurs every year from January 1 to February 14.

If you have a Medicare Advantage plan you will be able to switch to Original Medicare, and choose whether to also enroll in a stand-alone prescription drug plan. Changes made during the MADP will become effective the first of the following month.

The Medicare Advantage Disenrollment Period (MADP) lasts from January 1st through February 14th of each year.  During the MADP, a beneficiary can switch from an MA plan to traditional Medicare. The new MADP also provides an opportunity to enroll in a Part D drug plan for those who have not already done so.

When disenrolling from an MA plan during the MADP, the effective date of disenrollment is the first day of the month following the date the disenrollment request is received. Thus, disenrollment requests received by MA organizations in January are effective February 1; those received February 1 through February 14 are effective March 1.

During the MADP, an individual using the MADP to disenroll from an MA plan is eligible for a special enrollment period (SEP) to enroll in a stand-alone Part D prescription drug plan, regardless of whether the MA plan from which the individual disenrolled included the Part D drug benefit. The old OEP did not allow a beneficiary to add Part D coverage if he or she did not previously have such coverage at the beginning of the calendar year.

Beneficiaries are advised to enroll in a PDP as close to the time of disenrollment from the MA plan as possible in order to avoid having a gap in drug coverage.  For example, a beneficiary who disenrolls from an MA plan on January 31 and enrolls in a prescription drug plan (PDP) on February 1 would return to traditional Medicare on February 1, but would not have drug coverage until March 1.

Note: If you disenroll from your Medicare Advantage plan federal law does not usually give you the right to buy a Medigap plan. The laws in your state might give you more rights. Medigap plans are supplemental polices that help pay for Original Medicare deductibles and coinsurances.