The Medicare Advantage Disenrollment Period Explained
—December 18, 2013
The Medicare Advantage Disenrollment Period (MADP), which begins January 1st and runs until February 14th and replaces the Annual Enrollment Period, is an opportunity for beneficiaries to disenroll from an Medicare Advantage plan and return to original Medicare. It is not an additional enrollment period nor is it an opportunity for Medicare Advantage members to switch to different MA Plans.
The effective date of a disenrollment request made using the MADP will be the first of the month following receipt of the disenrollment request. A request made in January will be effective February 1, and a request made in February will be effective March 1.
Allowable Actions during the MADP:
People enrolled in an MA-PD plan may disenroll from the MA-PD and will have the opportunity to enroll in a standalone Prescription Drug Plan (PDP). Important: MA-PD members who enroll in a standalone PDP during this period will be automatically disenrolled from their current MA-PD and will not have the option of enrolling in another Medicare Advantage Plan.
Members who are in a Medicare Advantage only plan may request disenrollment from the MA plan and will then receive a Special Election Period (SEP) to enroll in a PDP standalone plan. The SEP is available from the time the disenrollment request is made until the member enrolls in a PDP or after February 14, whichever comes first.
Members who have both a standalone MA and a standalone PDP may disenroll from the MA plan, but may not make a change to their current standalone PDP.
A beneficiary who disenrolls from an MA or MA-PD plan using the opportunity afforded by the MADP may enroll in a Medicare Supplement policy upon returning to Original Medicare. However, using the MADP does not give the beneficiary guaranteed issue rights.
Members who have a standalone PDP, but are not enrolled in an MA plan may not make any change to their current PDP plan and may not enroll in an MA plan.
Note: The effective dates of the MA disenrollment under the MADP and the PDP enrollment under the coordinating Part D SEP do not have to be the same. If a beneficiary disenrolls from an MA plan, he or she has until the end of the SEP (February 14th) to enroll in a PDP. Thus an individual could disenroll from an MA plan in January (effective February 1) and not choose a PDP until February (effective March 1). However, the individual must make a PDP election by the end of this SEP or wait until the next valid Part D election period in order to enroll in a PDP. In all cases, the effective date for the enrollment in a PDP may not precede the date of the MA disenrollment.
Still have Questions?
MADP Frequently Asked Questions
If you liked this article, try one of these...
- Kirk Brown
Does this apply to people living in Massachusetts?
- January 6, 2011, 3:48 PM
- Dan Trumblee
Yes, this applies to all states. Thanks for reading.
Senior Market Sales
- January 6, 2011, 4:11 PM
- Jodi Larkin
But if they have been on the MA for over 12 months, there will be underwriting. Correct?
- January 12, 2011, 2:30 PM
If a person is already in a Medicare Supplemental Plan can that person change PDP's during this period. Ex. prescriptions changed and not covered..
- January 13, 2011, 10:56 AM
- Dan Trumblee
Yes. When the client switches from MA to Med Supp, all the normal underwriting rules apply.
- January 13, 2011, 11:00 AM
- Dan Trumblee
Rayj - If the client doesn't have MA, they can't change their Part D.
- January 13, 2011, 11:37 AM
- Deb B
If a client in Califoria has an MA- PD and wants to go back to original medicare, they have to submit a letter and then get a SEP for the PDP, but what about getting a med supp, do they have to either go through underwriting and or wait till their birthday month or do they have an SEP for the med supp in California?
- February 6, 2011, 6:12 PM
- Dan Trumblee
Deb - An SEP is not required for purchasing a Medicare Supplement when they switch back to Original Medicare. The client can do so at any time, but it will be underwritten.
- February 9, 2011, 8:51 AM
- Brian Bilyeu
does someone who has a MAPD and wants to go to a med supp during the MADP do they have to have a PDP ?? If they have creditable coiverage through VA Benefits ??
- February 12, 2011, 7:09 PM
Learn More At BreadOrDeathBook.com
- Grow Your Business with
Agent Advantage Tools
- Online Quotes
Lead & Contact Management
- SMS University
- More than 40 training videos, brainsharks and white papers.