What to Do If Your Medicare Supplement Plan Is Discontinued

Find affordable Medicare Supplement Insurance plans

Get Started


When your plan can drop you

Medicare Supplement (Medigap) plans are offered by private insurance companies and can help you pay for out-of-pocket costs for services covered under Original Medicare. If you purchase a Medicare Supplement plan at age 65, you might expect to be covered by the plan for many years and even decades. However, you could be concerned that after you’ve had your plan for a number of years it might be canceled or discontinued. The good news is there are only three conditions under which you plan can drop you (provided you bought your plan after 1992).

  • You stop paying your premiums.
  • You provided false information on the application.
  • The insurance company becomes bankrupt or insolvent.

Since you are guaranteed to be able to stay with plan (even if you develop a health problem), the plan is called “guaranteed renewable.“ However, if you bought a Medicare Supplement plan before 1992, it may not be guaranteed renewable. This means that with the state’s approval, the insurance company could cancel your Medicare Supplement policy. If your policy bought before 1992 is canceled, you might have the right to buy another Medicare Supplement policy.

What are guaranteed-issue rights?

Your right to buy a new Medicare Supplement policy if your old policy is canceled is called a “guaranteed-issue right.“ Guaranteed-issue rights protect you from medical underwriting and could be granted if your Medicare Supplement policy ends through no fault of your own (for example). Medical underwriting is the process in which a health insurance company collects data on your health history and evaluates any past or current medical problems when making a decision about your application. Pre-existing conditions could result in your being denied coverage or having to pay a higher premium for coverage. Your Medicare Supplement Open Enrollment Period and guaranteed-issue situations are two circumstances where the insurance company generally cannot use medical underwriting.

If you have guaranteed-issue rights because your Medicare Supplement plan was discontinued, you have 63 calendar days from the date your coverage ends to find a new plan. There are up to 10 total Medicare Supplement plans available in most states, but you will only be able to choose one from up to six of them under guaranteed issue: Plans A, B, C, F, K, or L. You may buy your plan from any insurance company licensed in your state to sell Medicare Supplement – but not every plan is available in every location. You’ll want to keep copies of letters, notices, and emails that inform you that your plan is ending as proof that your coverage was terminated and that you’re eligible for guaranteed-issue rights.

The Medicare Supplement Open Enrollment Period is a time when you can apply to any Medicare Supplement plan offered in your state and not worry about being turned down for pre-existing conditions. This period lasts for six months and begins when you are 65 or older and enrolled in Medicare Part B.

The product and service descriptions, if any, provided on these eHealth Insurance Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Need help?

Call to speak with a licensed
insurance agent now.

Touch to Call

1- TTY users 711

Or, enter your zip code to shop online

Browse Plans
Was this article helpful?
Thank you for your feedback!

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a health insurance agency licensed to sell Medicare products.

Medicare has neither reviewed nor endorsed this information.