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IbogaProject

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53. I think the plan canceling is a special event which is like landing on a lucky space on a board game

Wed Dec 31, 2025, 03:16 PM

Dec 31

I think it gives a chance to get medigap just like you enrolled promptly at 65.

If your Medicare Advantage (MA) plan is discontinued, you'll be moved to Original Medicare (Part A & B) but must act to avoid gaps, especially in drug coverage (Part D); you get a Special Enrollment Period (SEP) to join a new MA plan, a Part D plan, or get a Medigap policy (possibly with guaranteed issue rights), otherwise, you risk high out-of-pocket costs and losing benefits like dental/vision. Read your plan's termination notice carefully for deadlines and options.

https://www.msn.com/en-us/money/personalfinance/medicare-advantage-plan-canceled-here-s-how-to-avoid-a-coverage-gap-after-dec-7/ar-AA1SxYE8

If your Medicare Advantage plan was canceled and you missed the warning in your annual notice of change, don’t panic.

Federal rules give you a special enrollment period that allows you to choose a new plan even after Medicare’s Dec. 7 open enrollment deadline. But timing matters. To ensure your new coverage begins Jan. 1 and to avoid a gap, you must enroll by Dec. 31.

Jae Oh, author of Maximize Your Medicare, recently explained how this little-known enrollment window works and why it can be especially important for people whose plans were terminated. What follows is an edited transcript of that conversation, revised for clarity and brevity.

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UnitedHealth drops 1 million seniors, the biggest Medicare purge in two decades. [View all] JustKay Dec 31 OP

It is not a Medicare purge gab13by13 Dec 31 #1

Though I am not eligible ClaudetteCC Dec 31 #2

...for us but a great deal for them. ret5hd Dec 31 #5

That's why I call them Medicare Disadvantage programs. Wonder Why Dec 31 #63

If you have Plan F, good for you , but.... AZ8theist Jan 1 #78

I got really lucky. I probably would not have picked the most expensive supplement but Wonder Why Jan 1 #79

One of the great tip offs in life paleotn Dec 31 #33

Unfortunately they do provide a bit of coverage for some things that traditional Medicare doesn't such as dental. cstanleytech Dec 31 #54

Yes, $400 for eye wear, free eye exam, $1000 for dental at140 Dec 31 #73

And This After All The Advertising UHC Did For It's Advantage Plan Over The Recent Open Enrollment Period...... global1 Dec 31 #3

I'll take a cynical guess (without actually doing any research for the truth) InstantGratification Dec 31 #7

It doesn't work that way. Ms. Toad Dec 31 #12

Or in regions where the general population can't afford the premiums and hospital bills ChicagoTeamster Dec 31 #21

Exactly LogDog75 Dec 31 #48

Precisely! SheltieLover Dec 31 #51

They are discontinuing less profitable plans. They are not getting out of the market. (n/t) thesquanderer Dec 31 #8

That is exactly what they are doing. My husband and I have been with them for years. We have a plan that is no ratchiweenie Dec 31 #16

Are they offering you a different policy to replace the one that is cancelled? FakeNoose Dec 31 #32

There are only three ways to get out of Medicare Advantage scott free IbogaProject Dec 31 #55

However, that 80% is calculated against Medicare's approved amount yellowdogintexas Dec 31 #57

We don't know yet. Our current policy has not expired yet. I'm sure they will offer something but we are both ratchiweenie Jan 1 #85

They need to be catapulted into the sun Ruby the Liberal Dec 31 #36

Because they will make many times over than amount in what they get from those who fall for it. (n/y) OldBaldy1701E Dec 31 #9

They may be purging the seniors who are costing them the most for medical care. Lonestarblue Dec 31 #23

Good points. See my answer SCantiGOP Dec 31 #35

Free Luigi! intheflow Dec 31 #4

This! lonely bird Dec 31 #41

$26.3 million Seinan Sensei Dec 31 #49

It's a failure of capitalism (or a crime, imho). nt Duncan Grant Dec 31 #68

It wouldn't matter anyway jfz9580m Dec 31 #74

I agree with your assessment, JustKay. nt Trueblue Texan Dec 31 #6

My mother's MA plan was dropped by UnitedHealth last year ... Auggie Dec 31 #10

BTW, if United HealthCare MA drops you, they HAVE to accept you into one of their supplement plans ... Auggie Dec 31 #17

How many of those people who were dropped voted for Trump? Botany Dec 31 #11

As of May 2025 - $1m in base salary and $60m in stock that vests in 2028 Ruby the Liberal Dec 31 #37

So I am sure that the 60 million in stocks is untaxed until he taps into it, that when he does he will... Botany Dec 31 #38

It may well be the devil as to Medicare Advantage - Ms. Toad Dec 31 #13

Both my wife and I have AARP/UHC PCB66 Dec 31 #18

Nope. All they are doing is dropping MA plans that aren't making them enough money. Ms. Toad Dec 31 #22

Just curious... how much is Plan F? jmbar2 Dec 31 #29

That depends on your age radical noodle Dec 31 #45

Pricy, but still a bargain compared to what others are facing. jmbar2 Dec 31 #47

Yes, and at our age radical noodle Dec 31 #59

What happens in a situation like? jmbar2 Dec 31 #64

I honestly don't know radical noodle Jan 1 #76

Is the $432.36 Karma13612 Jan 1 #75

Yes it is radical noodle Jan 1 #77

Thank you for your response. Karma13612 Jan 1 #81

I agree with this 100% radical noodle Jan 1 #86

Very well said! ..eom Karma13612 Jan 2 #90

For my wife and I PCB66 Jan 2 #88

Thanks for sharing jmbar2 Jan 2 #89

Have to disagree.MedicareAdvantage through United Akakoji Dec 31 #14

Plan F is NOT Medicare Advantage,,,,,,,,,,,,,,,,,,,,,,,,,,,, NGeorgian Dec 31 #70

The poster didn't say that Plan F was an Advantage plan. llmart Dec 31 #71

I did not say it was Akakoji Jan 1 #80

Is it true . . . AverageOldGuy Dec 31 #15

No, you'll need to get a Part D drug plan and might Emile Dec 31 #20

I believe snowybirdie Dec 31 #27

Think pre-existing conditions Soul_of_Wit Dec 31 #44

I think the plan canceling is a special event which is like landing on a lucky space on a board game IbogaProject Dec 31 #53

They advertise that you can count on them. NGeorgian Dec 31 #19

Health insurance companies terminate Advantage plans every year dlk Dec 31 #24

Does that mean they get to resume normal medicare wo penalties? IbogaProject Dec 31 #25

Original Medicare covers 80%, the patient is responsible for 20% dlk Dec 31 #28

Your premium can be increased Soul_of_Wit Dec 31 #46

I will always remember TNNurse Dec 31 #26

I would expect nothing less from UH - TBF Dec 31 #30

None of my doctors take it, so they hate it too. joanbarnes Dec 31 #31

Stay away from Medicare Advantage plans SCantiGOP Dec 31 #34

And yet it gets HUGE financial support from AARP Grins Dec 31 #39

Time for canceling AARP. Sessuch Dec 31 #50

My parents Rebl2 Dec 31 #40

I'm starting on my second year of Medicare LittleGirl Dec 31 #42

I have had UHC advantage for 5 years. 1WorldHope Dec 31 #43

Another example of why Medicare Advantage is anything but for consumers! SheltieLover Dec 31 #52

I agree. UH was the devil when it was my employer's insurance. No way was I using them for Medicare. catrose Dec 31 #56

My Advantage plan did me a favor and dropped it's plan. Joinfortmill Dec 31 #58

They just wanted the money and always have. Faux pas Dec 31 #60

STAY CLEAR OF ANY AND ALL ADVANTAGE PLANS vapor2 Dec 31 #61

And just a thought; other countries with single payer don't worry about this total horseshit. Another uniquely American Evolve Dammit Dec 31 #62

And meanwhile, a few billionaires are getting a tax break and a few extra yachts Blue Owl Dec 31 #65

Mangione must have had an impact pfitz59 Dec 31 #66

Look around, America. Have you B.See Dec 31 #67

It's been more than 20 years since I worked at UnitedHealth dflprincess Dec 31 #69

jerks jfz9580m Dec 31 #72

Clearly these private insurers cannot manage themselves, so why on earth do we want travelingthrulife Jan 1 #82

I learned SO much about health insurance from this post and all the responses. jmbar2 Jan 1 #83

Just another proof that insurance companies have NO FUCKING BUSINESS BComplex Jan 1 #84

We should elect people that can actually fight back FredGarvin Jan 1 #87

It Medicare stuff should be simple lrucks1952 Jan 3 #91