Your plan has to mail you a non-renewal notice at least 90 days before it ends, so by early October. In July 2026, one of the largest Medicare Advantage insurers told investors its 2027 plan exits would affect about 600,000 members.
Outside your one-time Medigap open enrollment window, federal rules let insurers ask about your health, then turn you down or charge more. A plan exit flips that. If your Advantage plan leaves Medicare or your area, or you move out of its service area, insurers must sell you a policy, cover pre-existing conditions, and can’t charge more because of your health.
The right covers Plan G if you became eligible for Medicare in 2020 or later, Plan F if earlier, but not Plan N. To claim it:
- Keep the notice and its postmarked envelope as proof of your right.
- Apply in November or December, in the 60 days before your plan ends, and ask for coverage to start Jan. 1.
- Choose a stand-alone Part D drug plan during open enrollment, Oct. 15 to Dec. 7, so drug coverage also starts Jan. 1.
The right lasts until 63 days after your old plan ends, but applying late leaves a gap. Leaving Advantage by choice? Get approved for Medigap before you drop your plan.
Mutual of Omaha is a strong place to start. AM Best rates Mutual of Omaha Insurance Company A+ (Superior). Its online tool prices Plan G from your ZIP code, birth date, and sex, with no contact details required, and you can apply online. Couples leaving the same plan can each save with its household discount where it’s available, though the amount and rules vary by state. Our Mutual of Omaha review has sample quotes from three cities.
Get that quote the day your notice arrives, and since every Plan G pays the same benefits, compare it with Medicare.gov’s list for your ZIP code. Pass on this right, and in most states a later switch means answering health questions.
Advertiser Disclosure: Many or all of the offers that appear on this site are from companies that compensate us, and some companies pay for sponsored content. That compensation may influence which products we cover and where and how they appear on a page, including the order in which they appear. We do not include every company or offer available in the marketplace.
Related:
