Medigap or Another Medicare Advantage Plan When Yours Ends? How to Choose

Use this before you call.

Not sure which way to go? Call GetFastRates.com for more information and a licensed agent will walk through both with your doctors and medicines in mind.

List your doctors, your hospital and the pharmacy you use.

List your medicines, with the strength and how often you take each.

Ask whether you want one plan with a network, or the freedom to see any provider who accepts Medicare.

Ask whether you are healthy enough to be sure you would pass health questions later if you pass up the guaranteed right now.

Compare the plans in your county for next year, not just this year's plan.

Call us and a licensed agent will compare both paths against your own list.

Another Medicare Advantage plan

You choose a different plan in your county, usually during the enrollment period for your situation.

One card, and usually drug coverage in the same plan.
A network of doctors and hospitals, so check yours is in it.
Many plans add extras such as dental, vision and hearing, depending on the plan.
You pay copays and coinsurance when you use care, up to the plan's yearly limit.

Original Medicare with Medigap and a drug plan

You go back to Original Medicare, add a Medigap policy, and join a separate drug plan.

No network: you can generally see any doctor or hospital that accepts Medicare.
Medigap pays part of what Original Medicare does not, depending on the plan letter.
A separate drug plan, so your medicines are checked against that plan's list.
A monthly premium for Medigap, set by the company and your state's rules, in addition to Part B.

Why timing matters

When your Advantage plan ends you can have a right to buy Medigap without health questions. Later, outside your first six months with Part B or another protected situation, a company can ask about your health and turn you down. The right after a plan ends is one of the few times it cannot.

The right applies only if you move to Original Medicare, not to another Advantage plan.

Questions that usually decide it

Neither path is right for everyone.

Are your doctors and hospital in the new plan's network, or do you want to keep every option open?
Do you travel, or spend part of the year in another state?
Do you use a lot of care, or very little?
How would you feel about being unable to buy Medigap later?

Common questions about this topic

Can I try Medigap and go back to Medicare Advantage later?

You can usually go back to a Medicare Advantage plan during an enrollment period. Coming back to Medigap later is where the health questions can return, so the first choice matters.

Is one of these cheaper?

It depends on how much care you use. We do not list prices on this website. A licensed agent can compare what you would pay under each path for your doctors and medicines when you call.

What if I have Medicaid or a special needs plan?

That changes the choices. Call and say so, and we will check what you qualify for before comparing.

Tools that can help

Medicare Enrollment Period CalculatorFind your Medicare enrollment window and what it means for your timing.Medicare Part B Late Enrollment Penalty CalculatorEstimate whether a Part B late enrollment penalty could apply to you.Medicare Plan Ending FinderCheck your carrier and ZIP code against current, verified plan-ending records.

Trusted public sources

These links are provided for general public information. They do not replace a personal coverage review.

Is your Medicare Advantage plan ending for 2027?

If your plan is leaving Medicare or your area, you may have a right to buy Medigap without health questions, but the window is short. See which plans CMS lists as ending and what is offered for 2027, or call for more information.

Is your Medicare plan ending? Enter your ZIP