Medicare Advantage dis-enrollment

Nov 21, 2018

  1. SamIam
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    SamIam Guru

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    I don't sell Medicare advantage so that is why I ask? I always thought you can only switch from Advantage back to original Medicare and a supplement during this time period if it wasn't the first year. Somebody told me in 2019 you can also switch back from Jan 1st through March 31st.

    I have a client who has been on Medicare Advantage with a different agent for a couple of years and wants to go back a supplement she can't do it now because she is out of the country but will be back in February.

    Can this be done?
     
    SamIam, Nov 21, 2018
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  2. TwoCents
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    New for 2019 is the Medicare Advantage Open Enrollment Period that runs from 1/1 to 3/31. During this time most (I don't say all b/c of ESRD) MA members can choose a different MA or disenroll to return to Original Medicare. If they return to OM, they can also enroll into a stand-alone prescription drug plan (PDP).
     
    TwoCents, Nov 21, 2018
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  3. WCMason
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    WCMason Guru

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    TwoCents has this exactly right. I'll add one thing given you don't work with MA plans: don't submit the drug enrollment until after the med sup has been approved, as the PDP will automatically cancel that MA and you don't want to leave your client with no MA and a declined med sup.
     
    Last edited: Nov 22, 2018
    WCMason, Nov 21, 2018
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  4. SamIam
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    SamIam Guru

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    Does this also apply to Part D the new enrollment period?
     
    SamIam, Dec 5, 2018
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  5. Rossat
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    Rossat New Member

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    You can disenroll from your Medicare Advantage Plan and return to Original Medicare. If you choose to do so, you’ll be able to join a Medicare Prescription Drug Plan.

    During this period, you can’t:
    • Switch from Original Medicare to a Medicare Advantage Plan.
    • Join a Medicare Prescription Drug Plan if you’re in Original Medicare.
    • Switch from one Medicare Prescription Drug Plan to another if you’re in Original Medicare.
     
    Rossat, Dec 5, 2018
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  6. Philip Russell
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    that was a fun lesson only the lucky agents get to experience lol
     
  7. Mike Siegal
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    Mike Siegal Super Genius

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    Good Info...thanks!
     
  8. Ronnie Carter
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    In response to an emailed question, I sent a client almost the exact quote above to explain to him how he could use the new OEP to leave his MAPD and go to Original Medicare.

    He fired back a reply asking "how can I return to Original Medicare when I've never been in Original Medicare?" (I had enrolled him in an MAPD when his A/B first started, so he had always been in one.)

    It would be nice if they would quit using the word "return" in that context. Sorta reminds me of a friend who had his car repossessed. He told me the bank "took it back." When had they had it before? Funny terminology here.
     
  9. Philip Russell
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    tell him, before anything, hes enrolled into Original Medicare.
     
  10. TwoCents
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    This is the correct answer. Entitlement always start before anything else. Original Medicare may not have ever paid any claims, but it definitely started first. People who overthink things must have a hard life.
     
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