You may decide that you want to change your Medicare coverage.
Depending on how you get your Medicare benefits, there are different times of the year during which you can disenroll from a Medicare plan or change to a different Medicare coverage option.
Use the guide below to help with your Medicare disenrollment, no matter how you currently get your Medicare coverage.
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If you pay a premium for Part A and wish to disenroll from Medicare Part A, visit your local Social Security office or by call 1-800-772-1213 (TTY 1-800-325-0778). You will need to fill out a CMS Form 1763 (Request for Termination of Premium Hospital and Medical Insurance).
Most people do not pay a premium for Medicare Part A hospital insurance, so there is no mechanism to cancel it in this case.
Part B of Medicare is optional, but you may be automatically enrolled if you’re already receiving Social Security or Railroad Retirement Board retirement benefits when you turn 65.
Because there is a monthly premium for Part B, you will be automatically charged for that premium the month your coverage begins.
When you receive your Medicare card and welcome packet in the mail, the back of your Medicare card will include instructions for disenrolling from Part B.
If you do not initially disenroll in Part B, you will have to do so by contacting your local Social Security office or calling 1-800-772-1213 (TTY 1-800-325-0778).
You may not disenroll from Part B online. You will have to speak directly to a Social Security agent to complete the process.
You are required to fill out the form while speaking to a representative to ensure you understand the consequences of disenrollment, such as late-enrollment penalties that you may incur later on if you wish to re-enroll in Part B.
If you wish to cancel your Medicare Part C (Medicare Advantage) plan, you may be able to do so during certain enrollment periods that include:
Starting in 2019, the Medicare Advantage Open Enrollment Period takes place from January 1 to March 31.
During the Medicare Advantage Open Enrollment Period, you can change your Medicare plans in the following ways:
To disenroll from a Medicare Advantage plan and switch back to Original Medicare, you should contact your Medicare Advantage plan provider, or you can call 1-800-MEDICARE (1-800-633-4227).
The Fall Open Enrollment Period, also called the Annual Enrollment Period (AEP) takes place from October 15 to December 7 each year.
During AEP, you can change your Medicare plans in the following ways:
To change Medicare Advantage plans or to join a new plan entirely, you can call TTY Users: 711 to speak to a licensed insurance agent.
An agent can help you sign up for a new Medicare Advantage plan, and you will be automatically disenrolled from your previous Medicare Advantage plan.
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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.
The time to disenroll from a Medicare Prescription Drug Plan (or to switch to a different drug plan) is during the yearly fall Medicare Open Enrollment Period for Medicare Advantage and prescription drug plans, which – as mentioned above – takes place from October 15 to December 7.
There are four ways in which you may disenroll from Medicare Part D during this time:
You can typically find the contact information for your Medicare Part D plan on your membership card.
Are you looking to disenroll from your current prescription drug coverage and switch to a new Medicare Part D plan?
You can compare Part D plans available where you live and enroll in a Medicare prescription drug plan online in as little as 10 minutes when you visit MyRxPlans.com.1
Certain circumstances may make you eligible for a Medicare Special Enrollment Period.
A Special Enrollment Period may be granted at any time outside of the Annual Enrollment Period to people who move outside of their plan’s coverage area, lose Medicaid coverage or other experience other specific life events.
If you qualify for a Special Enrollment Period, you may be able to switch or cancel your Medicare Advantage or Part D plan.
There is no special period during which to disenroll from a Medicare Supplement Insurance (Medigap) plan.
Simply contact the insurance company that provides your plan and notify them of your desire to drop the coverage.
A licensed insurance agent can help you review your Medicare enrollment options and find the right coverage for your needs. Call today to speak with an agent.
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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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