Your health history isn’t the hurdle.
For a policy covered by your right, an insurer cannot deny you or charge more because of past or present health problems, and must cover pre-existing conditions.
← Medicare resource libraryMedicare Advantage plan ending?
Health Palm Beach • Medicare made clear
Medicare Advantage plan ending?
Let’s chart your next move.
A letter in the mailbox. A few big questions. Your Palm Beach County insurance guides can help you sort the next steps.
Start My Medicare Snapshot →Tell us about your situation, then choose an appointment. No obligation to enroll.
The important part
A plan exit can open a Medigap door.
If your Medicare Advantage plan leaves Medicare or stops serving your area, switching to Original Medicare can give you a guaranteed-issue right to buy certain Medicare Supplement (Medigap) policies. You must meet the applicable rules and deadlines.
Put the dates on deck.
Medicare generally allows applications starting 60 days before coverage ends and no later than 63 days afterward. Read your termination notice and confirm its dates promptly.
Guaranteed issue ≠ every plan.
Available policy letters depend on your situation and Medicare eligibility date. Plans C and F are unavailable to people new to Medicare on or after January 1, 2020. State protections may add options.
A change of plans deserves a closer look.
Voluntarily leaving Medicare Advantage does not automatically create this protection. A new plan name or benefit change alone does not establish a qualifying plan exit. Bring the actual notice so we can review what changed.
A little prep. A clearer conversation.
Your “next move” checklist.
Gather these for your review. Checkmarks stay on this page; they do not submit information.
Local guides. Clear answers.
Bring the letter.
We’ll bring the clarity.
Start with your Medicare Snapshot. After submitting, you can schedule a complimentary conversation with Health Palm Beach.
Start My Medicare Snapshot →Prefer to book now? Schedule a Medicare review →
Please do not send Medicare numbers, Social Security numbers, or medical records through the snapshot.
A few more clear answers
Before you make the switch.
Does Medigap work with Medicare Advantage?
No. Medigap supplements Original Medicare. Its coverage cannot start until your Medicare Advantage coverage ends.
What about prescription coverage?
Modern Medigap policies do not include prescription drug coverage. Review a separate Part D plan and coordinate effective dates if returning to Original Medicare.
Should I keep the notice?
Yes. Keep letters, emails, and the postmarked envelope. The insurer may need proof of your guaranteed-issue right.
Is this the same as a Medicare trial right?
Trial rights are a different protection with their own conditions. Explore our Medicare trial-rights guide →
Educational information reviewed October 24, 2026. Individual rights, policy availability, and enrollment dates require confirmation. Health Palm Beach Insurance Advisors is an independent insurance agency, not affiliated with or endorsed by Medicare or any government agency.
Go straight to the source: Medicare.gov: when you can buy Medigap · Official Medigap guide