)
)
Written byLindsay VanSomeren
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
Updated June 13, 2024
Reading time: 4 minutes
Insurify partners with top insurance companies to provide a comprehensive comparison experience. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
If you’re currently on a Medicare Advantage (MA) plan, you can switch to an Original Medicare plan during specific enrollment periods — typically a few months before and after the end of the year. You’ll need to contact your current plan administrator to cancel your plan during one of these enrollment periods and arrange to start coverage under Original Medicare.[1]
Switching back to Original Medicare is a complex decision, and you have many things to consider to make sure you’ve taken care of your health. Here’s what you need to know about Original Medicare and Medicare Advantage and how to switch back to Original Medicare if you decide it’s right for you.
Understand the differences between Original Medicare and Medicare Advantage plans
You have two main options when it comes to Medicare coverage: Original Medicare or Medicare Advantage (also known as Part C), each of which has its pros and cons. They both work in different ways — and that can affect your healthcare options and how much you have to pay.
Here are the biggest differences between the two:[2][3]
▲▼ | Original Medicare ▲▼ | Medicare Advantage ▲▼ |
|---|---|---|
| What’s covered |
Optional, for an additional cost:
| All plans include:
Most — but not all — plans also include:
|
| Monthly premium |
| Original Medicare Part B premium, plus any additional premiums for the specific Medicare Advantage plan (which varies by insurer). Only 27% of plans charged an additional premium in 2023 — typically around $57.5 |
| Deductible |
| Varies by plan type |
| Co-insurance |
| Varies by plan type, typically includes fixed costs for office visits |
| Out-of-pocket limit for costs? | No | Yes, varies by plan type. In 2023, the average limits were:
|
| Where you can use it | Any healthcare provider in the U.S. that accepts Medicare (99% of all doctors in 2023) | Varies by plan type:
|
| Referral needed to see a specialist? | No |
|
Reasons to go back to Original Medicare
In 2021, 53% of enrollees chose Original Medicare, while 47% opted for a Medicare Advantage plan.[4] MA plans are popular because they frequently offer more benefits for no additional cost and have caps in place for how much you’ll spend.
But in some cases, you might want or need to switch back to Original Medicare:
Original Medicare may be cheaper, like if you don’t need prescription drug coverage.
You won’t have to get a referral to see a specialist with Original Medicare like some Medicare Advantage plans require.
Private insurance companies offering Medicare Advantage may choose to end their contracts with Medicare, forcing you to choose a new plan.
You’ll have access to more doctors with Original Medicare, as opposed to specific physicians within your plan’s network under a Medicare Advantage plan.
)
Learn More: When Does Medicare Coverage Start?
The Medicare Advantage disenrollment period
If you’re currently on a Medicare Advantage plan and you’d like to switch, you can only do so during specific enrollment periods offered at certain times of the year. Luckily, these periods cover a broad swath of the calendar:[5]
▲▼ | Dates ▲▼ | When Changes Take Effect ▲▼ | Who Qualifies ▲▼ |
|---|---|---|---|
| Initial enrollment period | Three months after you first get Medicare | First day of the month after the plan receives your request | People newly eligible to receive Medicare benefits |
| Medicare open enrollment period | Oct. 15–Dec. 7 | Jan. 1 of the following year | Anyone with Medicare |
| Medicare Advantage open enrollment period | Jan. 1–March 31 | First day of the month after the plan receives your request | Only people who already have a Medicare Advantage plan |
| Special enrollment period | Varies depending on the event | First day of the month after the plan receives your request | People who’ve undergone certain events, like moving to a new home or losing coverage |
How to switch back to Original Medicare
If you’re not happy with your current Medicare plan, it’s not very difficult to switch back to traditional Medicare — provided you’re currently in the right open enrollment period. Before you switch, it’s a good idea to go through a few steps to make sure it’s the right decision:
Check the date. You can only switch from your current plan during certain times of the year, so this is an important first step to see if you’re even eligible to proceed.
Assess your coverage needs. Good health insurance decisions start by considering what services you’re most likely to need, especially if you have chronic conditions like diabetes, a family history of certain diseases, or need specific prescription drugs.
Consider your finances. Compare your known costs (premiums and out-of-pocket costs for care you know you’ll need) under your current plan, compared to traditional Medicare. Consider whether you’ll be able to pay for additional care, if needed.
Compare plan options. Just because your current plan isn’t working out doesn’t mean that a different Medicare Advantage plan won’t. Any time you switch coverage, it’s important to compare all your options to see what’s available.
Cancel your current policy. Reach out to your insurer’s customer service team and notify them that you’re canceling your plan.
Set up new coverage. You can sign up for Original Medicare on the Medicare website, by calling 1 (800) MEDICARE, or by getting extra help from a local counselor through your State Health Insurance Program (SHIP).
)
Keep Reading: Does Medicare Cover Dental Implants?
What about prescription drug coverage?
Three out of four Medicare Advantage plans offer prescription drug coverage at no extra cost, but that’s not the case with Original Medicare. When you switch back, you’ll need to choose whether to purchase a separate Medicare drug plan or not. Otherwise, you may not have coverage for any drugs your healthcare provider prescribes for you.
Private insurance companies administer Medicare Part D plans, just like your current MA plan. (Medicare itself only operates the Part A and Part B coverages for hospital stays and medical care.) You’ll be able to decline or choose a new Medicare drug plan at the same time you reach out to Medicare to request a switch back to Original Medicare.
Keep in Mind
Although Medicare requires insurers to cover broad classes of medications, some plans may cover more individual drugs than others. If you have any prescription drugs that you know you need, it’s a good idea to verify you have coverage for them before signing up for a new drug plan. You can compare the costs and coverage options for different plans on Medicare’s website.
Switching to Original Medicare From an Advantage Plan FAQs
You have a number of factors to consider if you’re thinking about going back to Original Medicare. Here’s what’s top of mind for most retirees.
Can you switch back to Original Medicare at any time?
No. You’ll need to wait for an annual enrollment period, except for specific times like when you lose coverage or if you’ve only recently started receiving Medicare coverage.
Is there a penalty for switching?
No. There’s no penalty for switching to a new Medicare Advantage plan or back to Original Medicare. Medicare only charges late penalties if you don’t sign up for Medicare for the first time during your initial enrollment period.[6]
Can you rejoin a Medicare Advantage plan after disenrolling?
Usually. As long as the insurance company is still contracted with Medicare to offer health plans in your area, you can rejoin your old policy during an eligible enrollment period.
What’s the difference between Original Medicare and an Advantage plan?
The Centers for Medicare & Medicaid Services (CMS) runs Original Medicare, and it offers hospital and medical coverage (with the option for prescription drug coverage from private companies). Private insurers administer Medicare Advantage plans, and they offer the same benefits (and more).
What are the advantages and disadvantages of going back to Original Medicare from an Advantage plan?
Original Medicare offers access to more doctors and healthcare facilities in exchange for taking on a greater financial risk. Advantage plans typically offer more benefits and have more protection against runaway healthcare costs in exchange for access to a more limited pool of doctors.
Sources
- Kaiser Family Foundation. "How and when can I switch from Medicare Advantage to traditional Medicare?."
- Medicare.gov. "Understanding Medicare Advantage Plans."
- Medicare.gov. "Costs."
- Kaiser Family Foundation. "A Snapshot of Sources of Coverage Among Medicare Beneficiaries."
- Medicare.gov. "Joining a plan."
- Medicare.gov. "Avoid late enrollment penalties."
)
Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in