HIGHLIGHTS

Open

REAL POSSIBILITIES

AARP Real Possibilities
Car buying made easy with the AARP Auto Buying Program

DRIVER SAFETY

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

Contests and
Sweeps

Dream Vacation Sweepstakes

10 weeks. 10 amazing trips. Seize your chance to win!
See official rules. 

CHECK OUT OUR
NEW IPAD APP!

ATM Mobile App for iPhone and Ipad

Enjoy the best of AARP’s award-winning publications

on the go with the new

AARP ePubs iPad App

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

Most Popular

Viewed

Commented

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

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.

Medicare & Medicaid News

Discounts & Benefits

bring health To Life-Visual MD

AARP Bookstore

AARP Bookstore - woman reaches for book on bookshelf

VISIT THE HEALTH SECTION

Find titles on brain health, drug alternatives and losing weight. Do