How do I go back to Original Medicare?


Editorial team Published on

You can switch from a Medicare Advantage plan back to Original Medicare by contacting Medicare during an approved enrollment period.

When You Can Switch

  • Annual Open Enrollment Period (October 15 – December 7): Changes become effective on January 1 of the following year.
  • Medicare Advantage Open Enrollment Period (January 1 – March 31): Available if you are currently in a Medicare Advantage plan; coverage starts the first of the month after your request is received.
  • Special Enrollment Periods (SEPs): Available year-round under specific life events, such as moving out of your plan's service area or gaining/losing Medicaid.
  • First-Year Trial Period: If it has been less than 12 months since you first enrolled in a Medicare Advantage plan, you have a trial right to switch back.

How to Make the Switch

  • Call Medicare: Call 1-800-MEDICARE (1-800-633-4227) to disenroll from your Advantage plan and return to Original Medicare over the phone.
  • Contact Your Plan: Call your private Medicare Advantage insurer directly to request a disenrollment form.
  • Visit Social Security: Go to your local Social Security office to process the change.

Additional Coverage to Consider

  • Prescription Drug Plan (Part D): Original Medicare does not cover most prescription drugs, so you should sign up for a standalone Part D plan to avoid late penalties.
  • Medigap (Supplement Insurance): Original Medicare leaves out-of-pocket gaps (like a 20% coinsurance). Purchasing a Medigap policy helps cover these costs, though medical underwriting may be required depending on when you apply.