# My Medicare Advantage plan is being discontinued — what do I do?

You have a Special Enrollment Period, so you can choose a new Medicare Advantage plan, return to Original Medicare, or in most cases buy a Medicare Supplement with no health questions — but you do have to make a choice, because staying silent is itself a decision.

Getting a letter that says your plan is leaving Medicare is frightening, and it is also common. It does not mean you are losing Medicare. It means one private plan is ending, and Medicare gives you a protected window to pick something else. What the letter is When a plan leaves Medicare, Medicare says you get a Plan Non-Renewal Notice, and that notice arrives in October. Three doors, all still open A different Medicare Advantage plan in your county. Original Medicare , plus a separate Medicare drug plan. Original Medicare plus a Medicare Supplement (Medigap) . When your Medicare Advantage plan leaves Medicare, CMS says you have a guaranteed-issue right to buy certain Medigap policies — no later than 63 days after your coverage ends — and the company cannot refuse you or charge you more because of a pre-existing condition. Why you cannot simply wait Medicare reminds people that if their plan leaves Medicare, they must join a new Medicare drug plan to keep drug coverage. Waiting can leave you without drug coverage in January. Free help You can call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, or get free one-on-one counseling from your State Health Insurance Assistance Program.

## Sources
- [Change in plan availability (Plan Non-Renewal Notice)](https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/change-in-plan-availability) — 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
- [Drug coverage reminder](https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/drug-coverage-reminder) — Medicare.gov
- [Special Enrollment Periods (SEPs)](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods) — Medicare.gov
- [Talk to someone](https://www.medicare.gov/talk-to-someone) — Medicare.gov
- [State Health Insurance Assistance Programs](https://www.shiphelp.org/) — SHIP National Technical Assistance Center

Last verified: 2026-08-27
Author: Jason Burns, Editorial Steward
Publisher: Adolicious LLC
Canonical: https://planexitreviewcenter.com/answers/my-medicare-advantage-plan-is-being-discontinued-what-do-i-do
Build date: 2026-08-27