What to Do If Your Medicare Advantage Plan Is Going Away in Florida in 2025

Receiving a letter informing you that your Medicare Advantage plan is being discontinued can be unsettling. However, it’s important to know that you have options and steps you can take to ensure you continue to have the coverage you need. Here’s what you should do:

1. Understand Your Options

When your Medicare Advantage plan is discontinued, you have a few choices:

• Switch to another Medicare Advantage plan: You can choose a different Medicare Advantage plan offered in your area.
• Return to Original Medicare: If you do nothing, you will be automatically enrolled in Original Medicare (Parts A and B).

2. Why You Might Be Automatically Enrolled in Original Medicare

If you do not select a new Medicare Advantage plan, you will be automatically placed back into Original Medicare. This means:

• Part A covers hospital insurance, including inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
• Part B covers medical insurance, including doctor visits, outpatient care, medical supplies, and preventive services.

While Original Medicare provides essential coverage, it may not include additional benefits like dental, vision, or prescription drugs, which are often part of Medicare Advantage plans.

3. Consider Additional Coverage

If you return to Original Medicare, you might want to consider:

• Medicare Supplement (Medigap) Plans: These plans help cover out-of-pocket costs not covered by Original Medicare.
• Medicare Part D: A stand-alone prescription drug plan to cover your medications.

4. Why You Should Call Premier Insurance

Navigating these changes can be complex, and making the right choice is crucial for your health and financial well-being. Here’s why contacting Premier Insurance can be beneficial:

• Expert Guidance: Premier Insurance agents are knowledgeable about the latest Medicare plans and can provide personalized advice based on your specific needs.
• Time-Saving: They can help you compare different plans quickly and efficiently, ensuring you find the best option without the hassle.
• Advocacy: If you encounter any issues or have questions about your coverage, Premier Insurance agents can advocate on your behalf, ensuring you get the support you need.

5. Timing of Notifications

Letters informing you about the discontinuation of your Medicare Advantage plan will be sent out in early October. This gives you ample time to review your options and make an informed decision.

In summary, if you receive a letter stating that your Medicare Advantage plan is going away in 2025, don’t panic. Understand your options, consider additional coverage if necessary, and reach out to Premier Insurance for expert assistance. Taking these steps will help ensure you continue to have the healthcare coverage you need.

Have you received such a letter, or do you have any specific questions about your Medicare coverage?