Are you exercising your 1 year trial rights to return to original Medicare, or are you beyond the trial limit window?
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Without trial rights, you may have difficulty enrolling in a Supplemental plan without having to go through medical underwriting, unless you live in CT, MA, ME or NY, where it is prohibited.
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If you have trial rights, you can switch at any month within the 1-year window.? Without trial rights, you may have to stay with the MA plan through the end of the year.
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Here is what to do if you have trial rights:
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First, you must call UHC and tell them you want to disenroll from the Advantage plan. Your last day of coverage will always be the last day of a month, so pick a date like Oct 31 or Nov 30 (assuming your trial ends on Dec 31.) This will give you some extra time to correct anything that goes wrong before the 1-year time limit expires.? Make sure they get the date right! Some retirees found that UHC cancelled their coverage a month earlier than they requested.
You can call Medicare and tell them as well, just to be doubly sure.
That will create a Special Enrollment Period, allowing you to enroll in a Supplemental Plan and a Part D RX plan.
UCH will mail you a termination of coverage notice making it official. ?This should arrive in 7-10 days.
Under Medicare’s Trial Rights, if you were in a Supplemental plan prior to enrolling in the Advantage plan, then you can only return to the same plan with the same company that you were previously in, as long as it is still being sold.? If it is no longer being sold, then you can enroll in other Supplemental plans, even from other companies.? If you were not previously enrolled in a Supplemental plan, then you can purchase any plan from any company.
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Call your previous supplemental plan provider and tell them you want to return to your old plan by exercising your Trial Rights.?
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An insurance company cannot sell you a Supplemental policy more than 60 days before your termination date.? They may request a copy of the termination letter.?
You can also enroll in a Part D plan in this special enrollment period. It doesn't need to be the same plan that you had before.
To help make things go smoothly, you may want to go through a Medicare broker, like Via Benefits or Boomer Benefits rather than doing all the legwork yourself. ?It doesn't cost more if a broker handles it.
