When can individuals disenroll from a PDP-only or MAPD plan to enroll in MA only?

The ability to disenroll from a standalone Prescription Drug Plan (PDP) or a Medicare Advantage Plan with prescription coverage (MAPD) in order to enroll in a Medicare Advantage (MA) plan is typically tied to specific enrollment periods rather than simply being at the individual's discretion through a written request. However, once individuals have a qualifying event or specific circumstances, they can disenroll and make different enrollment choices.

One valid reason for disenrolling from a PDP or MAPD is during specific situations like the Medicare Advantage Open Enrollment Period, the Annual Enrollment Period, or after certain life events. For example, individuals can transition during the Open Enrollment Period (OEP) in January through March each year if they want to change their Medicare Advantage plans or go back to Original Medicare.

This suggests that while disenrollment can often feel like a simple process, it is governed by rules that are important for managing coverage effectively. Individuals do not have absolute freedom to disenroll at any time based solely on a written request alone; rather, it must align with the specified periods designated for such changes, thus reflecting the structured nature of Medicare enrollment and disenrollment processes.