# Do I have to do anything if my Medicare plan is cancelled?

Yes — doing nothing means you get moved or dropped automatically: your Medicare Advantage plan ends December 31, and if you make no choice you generally fall back to Original Medicare with no drug coverage unless you join a drug plan.

This is the single most expensive misunderstanding in Medicare. A cancelled plan does not quietly renew into something similar of your choosing. What happens if you do nothing Medicare's own reminder is blunt: if your plan is leaving Medicare, you must join a new Medicare drug plan to keep drug coverage. Prescription coverage does not follow you by itself. The dates that matter CMS lists Open Enrollment as October 15 to December 7, and Medicare Advantage Open Enrollment as January 1 to March 31. A plan termination also opens a Special Enrollment Period, so your decision window is not limited to December 7. The one action to take Choose deliberately: a new Medicare Advantage plan, or Original Medicare with a drug plan, and consider a Medicare Supplement while your guaranteed-issue right is active.

## Sources
- [Drug coverage reminder](https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/drug-coverage-reminder) — Medicare.gov
- [Remember key Medicare dates (CMS Publication 12192)](https://www.medicare.gov/publications/12192-remember-key-medicare-dates.pdf) — Centers for Medicare & Medicaid Services
- [Special Enrollment Periods (SEPs)](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods) — Medicare.gov
- [Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS Publication 02110)](https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf) — Centers for Medicare & Medicaid Services

Last verified: 2026-08-27
Author: Jason Burns, Editorial Steward
Publisher: Adolicious LLC
Canonical: https://planexitreviewcenter.com/answers/do-i-have-to-do-anything-if-my-medicare-plan-is-cancelled
Build date: 2026-08-27