⚠️ Your Medicare Plan Could Be Gone January 1 — Check Your Mail for This

Medicare's own numbers say only about eight in ten people in Medicare Advantage can keep their plan next year at the same price or less. For some, the plan is ending on December 31 — and if yours is one of them, the law gives you a right many people never use. Open Enrollment starts today. Here's what to check, the deadline you really have, and how to never wake up on January 1 without drug coverage. 📘 The 2027 Senior Rulebook: https://theretirementwire.org/rules In this video: • How to tell if your Medicare Advantage plan is ending (the 90-day letter) • What happens on January 1 if you do nothing — and the drug coverage gap • Your special deadline when a plan isn't renewed (generally through the end of February) • The Medigap guaranteed issue right: no health questions, 63 days after coverage ends • If your plan is staying: networks, drugs, the 2027 Part D deductible ($700) and cap ($2,400) • The 5-star rule that lets you switch almost any time • The dates that protect you, and the January–March second chance SOURCES (everything in this video is fact-checked against these): - CMS press release, Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027: https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027 - CMS, 2027 Medicare Advantage and Part D state-by-state fact sheets: https://www.cms.gov/files/document/2027-medicare-advantage-part-d-landscape-state-state-fact-sheets.pdf - KFF, Medicare Advantage Plan Availability Varies Widely by County for 2027 (Oct. 9, 2026): https://www.kff.org/medicare/medicare-advantage-plan-availability-varies-widely-by-county-for-2027/ - 42 CFR § 422.506, Nonrenewal of contract: https://www.ecfr.gov/current/title-42/section-422.506 - 42 CFR § 422.62, Election of coverage under an MA plan (special enrollment periods, 5-star SEP, MA Open Enrollment): https://www.ecfr.gov/current/title-42/section-422.62 - Social Security Act § 1882 (Medigap guaranteed issue, subsection (s)(3)): https://www.ssa.gov/OP_Home/ssact/title18/1882.htm - Medicare.gov, Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods - Medicare.gov, Medigap guaranteed issue rights: https://www.medicare.gov/health-drug-plans/medigap/basics/guaranteed-issue-rights - Medicare.gov, Part D late enrollment penalty: https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty - Medicare Plan Finder: https://www.medicare.gov/plan-compare - SHIP national locator (free State Health Insurance Assistance Program counseling): https://www.shiphelp.org HELPFUL NUMBERS - 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week (TTY 1-877-486-2048) - State Health Insurance Assistance Program (SHIP) national line: 1-877-839-2675 This video is for general information and education only. It is not financial, insurance, legal, or medical advice. Plan availability, premiums and enrollment dates can vary by county and by your plan's notice; check your letter, Medicare.gov, or your SHIP before you decide. Figures for 2027 are CMS projections and federal limits. Share this with someone in a Medicare Advantage plan. Subscribe for Social Security and Medicare news the day it happens. FOOTAGE & IMAGES Stock footage courtesy of Pexels contributors (pexels.com). Screenshots of official pages: CMS.gov and Medicare.gov (via Internet Archive copies), KFF.org, SSA.gov, Cornell LII (law.cornell.edu). #Medicare #MedicareAdvantage #OpenEnrollment #Seniors