What could happen to a member who fails to send a cancellation request after enrolling in an MA plan?

When a member enrolls in a Medicare Advantage (MA) plan, it is crucial for them to understand the implications of not sending a cancellation request for their existing plan, such as a Medicare Supplement or Medigap policy. If a member does not cancel their supplement insurance after enrolling in an MA plan, they may find themselves responsible for premiums associated with the supplement coverage, even if they are no longer using it.

This situation arises because many individuals do not automatically cancel their existing policies when they switch to MA plans. The MA plan generally provides all the necessary coverage, and the member may not need the additional supplement insurance anymore. However, unless they formally cancel it, they will continue to receive billing for that additional coverage, resulting in unnecessary financial obligations.

In contrast, the possibility of losing coverage under both plans or being automatically disenrolled from the MA plan does not typically occur without specific actions taken by the member or specific regulatory changes. Additionally, continuing to have dual coverage without penalties is generally not the case, as coordination of benefits rules may apply and could lead to complications. Thus, understanding the need to manage both coverage types effectively is essential for members transitioning into an MA plan.