My Medicare Advantage plan with UHC has been closed and will not be available next year. Can I switch to enrolling in a Medicare Supplemental plan for 2027 without having to pre-qualify
Answered by 4 licensed agents
It’s called a plan exit, and yes, you can get a guaranteed issue Medicare Supplement without having to qualify medically. Generally, when your Medicare Advantage plan is discontinued in your area, you have the right to enroll in certain Medicare Supplement plans without answering health questions. You’ll need to return to Original Medicare, and there are specific deadlines to take advantage of this opportunity.
Yes you can switch for 2027 with GUARANTEED ISSUE and with out medical underwriting. You will have 60 days before the plan expires and 63 days after it ends to exercise this right.
Unless a SARS notice was given, then you would not have a special election period [SEP} in order to have a guaranteed issue into a Medicare Supplement to prevent underwriting. Most plans that will be eliminated will have a replacement for the following year.
If income is reduced in retirement, our choices can be limited some. There are plans to help lower drug costs, but premiums cannot easily be reduced. You can change your plan to a less expensive advantage plan and if on a supplement, drop to a N plan.
