The Medicare Advantage Disenrollment Period (January 1 through February 14 of each year) allows an individual in a Medicare Advantage Plan (HMO) to leave a Medicare Advantage Plan and return to Original Medicare (Part A and B) by signing up for a stand-alone drug plan. Be aware, however, that by making the change to be on Original Medicare, the individual would then be responsible for the copays/coinsurances that Original Medicare Part A and Part B do not cover.
After making this choice, the next opportunity for the individual to return to a Medicare Advantage Plan will not be available again until Annual Enrollment (October 15 thru December 7).
If after making the switch onto Medicare only and a stand-alone drug plan the individual would like add a Medicare Supplement plan to cover the copays/coinsurances not covered by Original Medicare, they would have to undergo the health history underwriting of the Medicare Supplement insurance carrier that they select.
Please Note: The Disenrollment period does not allow for a change from one Medicare Advantage Plan to another Medicare Advantage Plan. Nor does it allow for a change from one stand-alone drug plan to another stand-alone drug plan.