{"id":24,"date":"2026-10-04T10:00:00","date_gmt":"2026-10-04T10:00:00","guid":{"rendered":"https:\/\/www.armandocaguilarjr.com\/blog\/?p=24"},"modified":"2026-10-04T10:00:00","modified_gmt":"2026-10-04T10:00:00","slug":"us-medicare-plan-ending-action-steps-medicare","status":"publish","type":"post","link":"https:\/\/www.armandocaguilarjr.com\/blog\/2026\/10\/04\/us-medicare-plan-ending-action-steps-medicare\/","title":{"rendered":"US Medicare Plan Ending Action Steps | medicare"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/armando-c-aguilar-jr-1\/advantage-plan-ends-fce4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>When a Medicare Advantage Prescription Drug (MA-PD) plan ends, it can feel overwhelming to know what steps to take. If no new plan is chosen, you\u2019ll automatically return to Original Medicare on January 1\u2014but your drug coverage will end. For those with Extra Help, there\u2019s a chance you may be reassigned to another plan, but it\u2019s important not to leave your decision to chance.<\/p>\n<p>Original Medicare doesn\u2019t have an annual out-of-pocket maximum, so your potential costs can add up. For 2026, expect Part B premiums at $202.90 per month, a $283 deductible, and a Part A deductible of $1,700. With nearly 600,000 Medicare Advantage members set to lose their coverage in 2027, those early notification letters are more than just paperwork\u2014they\u2019re your cue to start reviewing your options.<\/p>\n<p>There\u2019s a window for guaranteed-issue Medigap rights that opens 60 days before your plan ends and lasts for 63 days after. Be mindful: if you go more than 63 days without drug coverage, you could face permanent Part D penalties.<\/p>\n<p>To stay protected starting January 1, it\u2019s best to select your new plan by December 31. Take time to review every medication, coverage tier, and pharmacy. Whether you choose a new Advantage plan or stick with Original Medicare plus a Part D plan, making an informed decision ensures you\u2019re not left without the coverage you need.<\/p>\n<p>As someone who\u2019s guided many San Diego families through these same choices, I know how much clarity and peace of mind matter. If you\u2019re sorting through your options, you don\u2019t have to do it alone\u2014sometimes, a careful conversation makes all the difference.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When a Medicare Advantage Prescription Drug (MA-PD) plan ends, it can feel overwhelming to know what steps to take. If no new plan is chosen, you\u2019ll automatically return to Original Medicare on January 1\u2014but your drug coverage will end. For those with Extra Help, there\u2019s a chance you may be reassigned to another plan, but [&hellip;]<\/p>\n","protected":false},"author":42,"featured_media":25,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":1,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"predecessor-version":[{"id":26,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions\/26"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/media\/25"}],"wp:attachment":[{"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.armandocaguilarjr.com\/blog\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}