What to Do if Your Medicare Supplement Plan is Discontinued

Jory Cross by Jory Cross | Licensed since 2012

This article was updated on: 09/16/2018

If your Medicare Supplement plan has been discontinued, you may want to understand how this could happen and what you can do. Here’s some information for you.

Usually, Medicare Supplement (Medigap) plans are “guaranteed renewable.” That means that even if you develop new health conditions, your plan can’t decide it no longer wants to cover you. But there are some situations where you might lose coverage, described below.

Why might my Medicare Supplement plan be discontinued?

There could be several reasons why your Medicare Supplement (Medigap) plan is no longer available to you. For example:

  • Your Medicare Supplement insurance company goes out of business
  • Your Medicare Supplement insurance company goes bankrupt
  • Your Medicare Supplement coverage otherwise stops through no fault of your own

But there are some situations where you could lose your Medicare Supplement policy because of something you did, namely:

  • You didn’t pay the monthly premiums for your Medicare Supplement plan
  • You gave false information on your application for the plan

Can I get a Medicare Supplement plan if mine is discontinued?

If your Medicare Supplement plan is discontinued through no fault of your own, you may have a guaranteed-issue right to purchase any of these Medicare Supplement plans that’s sold in your state: Plans A, B, C, F, K, or L. (In most states, Medicare  Supplement plans are standardized with lettered names.)  Massachusetts, Minnesota, and Wisconsin have their own differently standardized plans, so if you’re in one of those states, you might want to contact your state insurance department.

A guaranteed-issue right means an insurance company can’t turn you down for a Medicare Supplement plan; can’t charge you more because of your health condition(s); and can’t place conditions on your policy, such as stating that it won’t cover your health condition.

How long do I have to get a new Medicare Supplement plan if mine is discontinued?

If you still want this type of coverage, you need to apply for a new Medicare Supplement policy within 63 days of the day your coverage ends.

Do you have questions about Medicare Supplement plans? I can help. Use the links below to set up a time to talk with me by phone, or request an email from me with personalized plan information. If you’d like to start browsing right away, the Compare Plans or Find Plans buttons will show you plan options in your location.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Jory Cross |
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