Medicare Disenrollment | A Step-by-Step Guide

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 form a plan or change to a different Medicare coverage option.

During the Medicare Advantage Disenrollment Period (MADP), you can disenroll from a Medicare Advantage plan (Medicare Part C) and return to Original Medicare coverage (Medicare Part A and Part B).

Each part of Medicare has its own opt-out process. Use the guide below to help with your Medicare disenrollment, no matter how you currently get your Medicare coverage.

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Medicare Advantage Disenrollment Period (MADP)

Each year, a Medicare Advantage Disenrollment Period takes place between January 1 and February 14.

As mentioned above, the Medicare Advantage Disenrollment Period allows you to leave your current Medicare Advantage plan and switch back to Original Medicare. During this period, you also have the option of enrolling in a Prescription Drug Plan (Part D).

To drop a plan and switch back to Original Medicare, you can call 1-800-MEDICARE (1-800-633-4227).

During the fall Medicare Open Enrollment Period that takes place from October 15 to December 7 each year, you may disenroll from one Medicare Advantage plan and enroll in another.

To switch plans, 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.  

Medicare Part A disenrollment

Medicare Part A is premium-free for most people, provided they paid sufficient Medicare taxes while working. Because of this, there’s no real way to “disenroll” from Medicare Part A with also forfeiting your Social Security retirement benefits according to a

Medicare Part B disenrollment

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. And because there is a monthly premium for Part B, you will be automatically charged for that premium the month your coverage begins.

If you wish to disenroll from Medicare Part B before your coverage begins, you may contact or visit your local Social Security office to execute your disenrollment. There should also be some instructions for disenrolling that come in the mail with your Medicare card, which you can expect to receive about three months before turning 65.

If you wish to disenroll from Part B after receiving benefits for any period of time, you must complete CMS form 1763 while speaking to a Social Security representative.

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.

Medicare Prescription Drug Plan (Part D) disenrollment

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, 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:

  1. Call 1-800-MEDICARE (1-800-633-4227)
  2.  
  3. Mail a signed written letter to your plan’s mailing address notifying them of your desire to disenroll
  4.  
  5. Submit a disenrollment request through the plan’s website (if such a feature is offered)
  6.  
  7. Call your plan and ask a representative to mail you a disenrollment form which you will fill out and return

You can typically find the contact information for your Medicare Part D plan on your membership card. 

Medicare Supplement Insurance disenrollment

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.

Have more questions about Medicare enrollment?

A licensed insurance agent can help you review your Medicare enrollment options and find the right coverage for your needs. Call TTY Users: 711 24 hours a day, 7 days a week to speak with an agent.

 

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MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.