If I have a Medicare Advantage (Plan C) managed care plan, can I switch back to regular Medicare Parts A and B?

3 answers | Last updated: Dec 03, 2016
Noel in puerto rico asked...

If I have a Medicare Advantage (Plan C) managed care plan, can I switch back to regular Medicare Parts A and B?


Expert Answers

You can leave your Medicare Advantage plan and return to traditional Medicare Part A (hospital insurance) and Part B (medical insurance) at any time. Just give your managed care plan 30 days written notice, and they will notify Medicare.

Once you're back in traditional Medicare, you have to pay a monthly premium for Part B, which is $96.40 for most people. If your income is over $82,000 ($164,000 for a couple), your monthly premium will be slightly higher. Most people have their Medicare premium deducted from their Social Security check. If you aren't collecting Social Security, Medicare will bill you for this premium. For most people, there's no premium for Part A.

Medicare Parts A and B won't pay all your medical bills. Many people fill the gaps in Medicare coverage by buying a private medigap supplemental insurance policy. If you've been enrolled in a Medicare Advantage plan for a while and voluntarily leave it, you may not be able to enroll in any medigap plan you want. Some plans may require you to undergo medical underwriting (an examination of your health history and a physical exam), and based on the results may not sell you a policy, or may charge you higher rates.

Editor's Note: The coverage described above may have changed. For the most recent information, please check Medicare.gov's page about signing up and switching plans.


Community Answers

Clintsman answered...

is there a way we can speed thing up? A hardship problem. My mother is in Ill. and we are trying to get her back to tn. She is 82 very serious med. problems and we are trying to get her here with family


A fellow caregiver answered...

You cannot leave your Medicare Advantage plan at any time unless you qualify for a Special Election (ie moving, Medicaid etc.) Also, while on the Medicare Advantage plan, you are still paying your Part B premium IN ADDITION to your Medicare Advantage plan premium if it requires one.