Alert
Close

   

Enter the Family Fun Travel Sweepstakes. No purchase necessary. See official rules

HIGHLIGHTS

Open
AARP Staying Sharp: Keep Your Brain Healthy

AARP VETERAN MEMBERSHIP

Military and Veterans Discount

AARP REALPAD

The tablet with free 24/7 customer support. Learn More

CONTESTS AND SWEEPS

You Could Choose Your Dream Vacation

KEEP BRAIN ACTIVE!

AARP Games - Play Now!

AARP Books

Medicare for Dummies book cover

Get the answers you need, from Patricia Barry, AARP's Ask Ms. Medicare

Share Your Thoughts

Reader stories help us fine-tune our education efforts and strengthen our calls for action on issues that matter most to you. We read and learn from every story and may use yours (with permission) to brief legislators, inspire other readers and more. Please share your story with us. Do

Most Popular

Viewed

Ask Ms. Medicare

What to Do if Your Current Medicare Plan Won't Exist Next Year

Don't worry, you still have choices

How will you know which category applies to you?  If you fall into one of the last two groups above, you should have received a letter from your plan by October 1 saying that your current plan will not exist next year and explaining your options. If you fall into the first group, you should have received an Annual Notice of Change in September explaining all changes in costs and benefits for next year. If you can’t remember receiving a letter, or can’t find it, call your plan at the customer service number provided on your plan membership card.

Medicare Supplemental Insurance (Medigap)

It doesn't happen often, but from time to time medigap insurers go out of business or stop selling medigap policies in some areas. This is a cause of considerable anxiety to people who hold these policies because many believe that if they have to buy a new policy, they will lose the federal guarantees and protections they had before. But that's not true.

What you can do: If you lose medigap coverage through no fault of your own, you still have the right to buy policies A, B, C, F, K or L from any medigap insurer in your state with full federal protections. This means that an insurer cannot deny you coverage or require you to pay a higher premium based on your health status or preexisting medical conditions. But to receive those guarantees, you must apply for a new policy within 63 days of the end of your old coverage. To be on the safe side, it's best to apply before your current coverage runs out.

To compare Medigap policies available to you, and for contact information of insurers that sell them, go to the Medicare website, click on "Compare Medigap Policies" and enter your zip code. For more information, see the official publication "Choosing a Medigap Policy."

Patricia Barry is a senior editor at the AARP Bulletin.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts

Processing

Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Advertisement

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Walgreens 1 discount membership aarp

Members can earn 50 points per $1 spent on select products at Walgreens.

member benefit aarp hear usa

Members can save 20% on hearing aids with the AARP® Hearing Care Program provided by HearUSA.

AARP membership discount Man trying on eyeglasses at optometrists smiling

Members save up to 60% on eye exams and 30% on glasses at LensCrafters.

Membership Benefits Discounts Email Genius

Brain boost? Get AARP email for access to memory exercises & more that help you focus.

Advertisement