What happens if my group Medicare coverage is canceled?

Who is this for?

Has the Medicare coverage you get through an employer been canceled? This information explains some of your options.


Employers that offer health care coverage can opt to change benefits or premiums and even cancel plans. They also aren’t required to provide retiree coverage.

Fortunately, if the plan you get through an employer is canceled, you have some options.

You can buy a Medicare Advantage plan.

You can buy a plan that includes hospital, medical and prescription drug coverage. We have a variety of Medicare Advantage plans to choose from.

You may be able to buy a Medigap plan.

If you can't get COBRA coverage, you may have the right to buy a Medigap policy even if you're no longer in your Medigap special enrollment period.

Your retiree coverage is likely to be similar to coverage under Medigap, also called Medicare supplement insurance. Medigap usually offers benefits that fill in some of Medicare's gaps in coverage, like coinsurance and deductibles. We have many choices for Medigap plans.

You may be eligible for federal COBRA coverage.

If any other company within the same corporate organization still offers a group health plan to its employees, that plan is required to offer you COBRA continuation coverage.