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What Happens If Your Medicare Supplement Plan Isn’t Available?

If your Medicare Supplement plan has been dropped, you may be wondering why this happened and what you can do about it. Here’s some information to get you started.

Medicare Supplement (Medigap) policies are often “guaranteed renewable.” That implies your insurance company can’t refuse to cover you because you’ve developed new health problems. However, there are specific circumstances in which you may lose coverage, as detailed below.

Why might my Medicare Supplement plan be discontinued?

There could be several reasons why your Medicare Supplement (Medigap) plan is no longer available to you. For example:

  • Your Medicare Supplement insurance company goes out of business
  • Your Medicare Supplement insurance company goes bankrupt
  • Your Medicare Supplement coverage otherwise stops through no fault of your own

But there are some situations where you could lose your Medicare Supplement policy because of something you did, namely:

  • You didn’t pay the monthly premiums for your Medicare Supplement plan
  • You gave false information on your application for the plan

Can I get a Medicare Supplement plan if mine is discontinued?

If your Medicare Supplement plan is discontinued through no fault of your own, you may have a guaranteed issue right to purchase any of these Medicare Supplement plans that’s sold in your state: Plans A, B, C*, F*, K, or L. (In most states, Medicare Supplement plans are standardized with lettered names.)  Massachusetts, Minnesota, and Wisconsin have their own differently standardized plans, so if you’re in one of those states, you might want to contact your state insurance department.

A guaranteed-issue right means an insurance company can’t turn you down for a Medicare Supplement plan; can’t charge you more because of your health condition(s); and can’t place conditions on your policy, such as stating that it won’t cover your health condition.

*There have been changes effective 2020 for Medicare Supplement. As of January 1, 2020, Medicare Supplement Plans C and F won’t be sold to anyone who’s not already eligible for Medicare before that date. If you were eligible for Medicare before January 1, 2020, you may still be able to buy Plan C or Plan F, or keep the plan if you have one.

How long do I have to get a new Medicare Supplement plan if mine is discontinued?

If you still want this type of coverage, you need to apply for a new Medicare Supplement policy within 63 days of the day your coverage ends.

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1 Comment

  • 2readings

    February 17, 2022 - 2:38 pm


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