If you are enrolled in a Medicare Advantage plan for 2025, your insurance company or HMO should have sent you an Annual Notice of Change (ANOC). The ANOC outlines any changes to your benefits for 2026 and lets you know if your current plan will no longer be available in 2026.  
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If your plan won’t be available next year, there are options available to you:

• Choose another Medicare Advantage Plan. If your current plan won’t be available next year, you can join another Medicare Advantage plan during the Annual Enrollment Period (October 15 through December 7).  
  

If you miss that window, you have extra time – you also qualify for a Special Enrollment Period (SEP) that runs from December 8 through February 28.  

If you take no action, you will be returned to Original Medicare on January 1. Without enrolling in a separate Medicare Part D plan, you may be responsible for the full costs of prescription drugs and other out-of-pocket costs not covered under Medicare Parts A and B.

• Purchase a Medicare Supplement Policy and a Part D plan. If you are enrolled in a Medicare Advantage Plan and your plan is leaving Medicare or exiting your service area, you qualify for a 63-day guaranteed issue right (GIR) to purchase a Medicare Supplement policy. This means the insurance company cannot deny you for purchase of a Medicare Supplement policy that is otherwise available, and the company cannot condition the purchase or the benefits of the policy on health-related information or preexisting conditions.

This 63-day window starts on the first day you lose coverage (January 1st), but most insurance companies allow you to apply earlier so your policy can start on January 1st.

The Maryland Insurance Administration provides a rate guide showing available Medicare Supplement plans.

If you choose this option, you must also enroll in a separate Medicare Part D prescription drug plan. You can compare drug plans at Medicare.gov or by calling 1-800-MEDICARE.

Information for Dual-eligibles – those enrolled in Qualified Medicare Beneficiary (QMB) and full Medicaid. If you are in the QMB program or have full Medicaid, Medicare and Medicaid together cover most of your costs.​

You do not have to enroll in a Medicare Advantage plan to have costs covered. Medicare Advantage plans can still be helpful, providing care coordination and often extra benefits (such as dental, vision, transportation, or over-the-counter allowances). If you do not join a Medicare Advantage plan, you do still need to choose a Medicare Part D drug plan.