How to switch back to Original Medicare

• Enroll in a standalone Part D plan: The easiest way to disenroll from an MA plan is to enroll in a stand-alone Part D plan for prescription drugs. Since you cannot have both, this action automatically cancels your MA coverage.
• Wait for the change to take effect: Your switch to Original Medicare becomes effective on the first day of the month following your enrollment in the Part D plan.
• Consider a Medigap plan: When you switch back to Original Medicare, you will be responsible for the typical 20% coinsurance. Many people purchase a Medigap plan (also called a Medicare Supplement plan) to cover these costs. 

During a Special Enrollment Period (SEP) Qualify for an SEP: You may be eligible for an SEP if you move out of your MA plan's service area, your MA plan leaves Medicare, or other qualifying life events occur.Enroll in a Part D plan: Even during an SEP, enrolling in a stand-alone Part D plan is the way to automatically disenroll from your MA plan and switch to Original Medicare. Important considerations

Medigap underwriting: If you are not new to Medicare, you may have to answer health questions to get a Medigap plan, and acceptance is not guaranteed. It can be beneficial to apply for a Medigap plan before disenrolling from your MA plan to ensure you are approved.

Trial right: If you are in your first year with a Medicare Advantage plan, you may have a "trial right" to switch back to the Medigap plan you had before.