When a Medicare Advantage Prescription Drug (MA-PD) plan ends, the transition can be overwhelming—especially if you’re unsure of your next steps. If you don’t select a replacement plan, you’ll automatically revert to Original Medicare on January 1, but your prescription drug coverage ends. For those with Extra Help, you might be reassigned, but it’s important not to leave your choices to chance.
Original Medicare doesn’t offer an annual limit on out-of-pocket costs, so careful planning becomes even more vital. For 2026, expect a Part B premium of $202.90 per month, a $283 deductible, and a $1,700 deductible for Part A. With nearly 600,000 Medicare Advantage members set to lose coverage in 2027, those early notice letters are more than just paperwork—they’re your cue to act.
If you want to add Medigap, take advantage of your guaranteed-issue rights, which begin 60 days before your plan ends and last 63 days after. Missing this window or letting your drug coverage lapse for more than 63 days could mean permanent Part D penalties. The best protection is to select your new plan by December 31, ensuring you’re covered come January 1. Review every prescription, check each tier and pharmacy, and make your choice between a new Advantage plan or Original Medicare with Part D. As a Houston insurance agent, I’m dedicated to helping you protect your future and navigate these crucial decisions with confidence.
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