If Mrs. Ridgeway wants to return to Original Medicare after switching to a Medicare Advantage plan, what option is available to her?

If Mrs. Ridgeway wants to return to Original Medicare after switching to a Medicare Advantage plan, she qualifies for a Special Enrollment Period (SEP). This option is available to beneficiaries under specific circumstances that allow them to make changes to their Medicare coverage outside the usual enrollment periods.

When an individual switches to a Medicare Advantage plan, they generally have the opportunity to return to Original Medicare during an SEP if certain conditions are met, such as moving out of her current plan’s service area or experiencing other qualifying life events. The Special Enrollment Period gives her the flexibility to reassess her healthcare needs and return to Original Medicare, which includes Part A and Part B, without the restrictions and penalties that might apply if she were to leave the Medicare Advantage plan outside of designated enrollment times.

Other options, such as waiting for the next Annual Election Period or having no options to return, do not accurately reflect the availability of enrollment changes afforded by SEPs. Therefore, the eligibility for a Special Enrollment Period is a significant benefit for individuals like Mrs. Ridgeway, allowing them greater control over their healthcare choices.