If your Humana Medicare Advantage plan ends on December 31, 2026, and you switch to Original Medicare, you have a Medigap guaranteed issue right in Florida. It lets you buy certain Medicare Supplement (Medigap) policies without answering health questions. A licensed YourMedPlan advisor can help you decide whether Medigap is the right fit.
Key Facts: Medigap Guaranteed Issue After a Humana Plan Ends
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The right applies when your Medicare Advantage plan leaves Medicare or stops serving your area and you return to Original Medicare.
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You can apply under this guaranteed issue right once you have your non-renewal letter, and no later than 63 days after your Humana coverage ends (about March 4, 2027).
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Medigap does not cover prescriptions, so you will also need a stand-alone Part D plan for drug coverage.
Do You Qualify After Your Humana Plan Ends?
You likely qualify if your letter says your Humana plan is ending or will no longer serve your county, and you switch to Original Medicare. The right does not apply if you join another Medicare Advantage plan. It also does not apply if Humana is combining your plan with another Humana plan, since in that case you received an Annual Notice of Change.
What Does Medigap Guaranteed Issue Protect?
During this window, the insurance company must sell you a Medigap policy covered by the right, must cover your pre-existing conditions without a waiting period, and cannot charge you more because of your health. Outside this window, insurers can generally ask health questions before they accept you.
What Is Your Medigap Timeline?
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Now: You can apply once you have your non-renewal letter.
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December 7, 2026: The Annual Enrollment Period ends. Choose a Part D drug plan by this date so it starts January 1.
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December 31, 2026: Your Humana plan ends. Apply before this date so your Medigap policy can start January 1.
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March 4, 2027: The last day to apply under this right, 63 days after your plan ends.
How Can a YourMedPlan Advisor Help You Decide on Medigap?
Medigap and Medicare Advantage work very differently, and the better choice depends on your health, your doctors and your budget. A licensed advisor at YourMedPlan can explain the trade-offs in a consultation. YourMedPlan advisors are compensated by the carriers they represent, and your premium is the same whether or not you use an agent.
Call (Monday through Friday, 8:30 AM to 5 PM ET) to speak with a licensed YourMedPlan advisor.
Your Needs. Your Budget. YourMedPlan.
Frequently Asked Questions: Medigap Guaranteed Issue in Florida
Can I get Medigap without health questions if my Humana plan ends?
In most cases, yes. If your Humana Medicare Advantage plan is ending and you switch to Original Medicare, you can buy certain Medigap policies without answering health questions. Apply any time from when you receive your non-renewal letter through March 4, 2027, and keep your non-renewal letter as proof that your plan ended.
Which Medigap policies can I buy under guaranteed issue?
Federal rules limit which Medigap policies qualify under this guaranteed issue right, and your options also depend on when you first became eligible for Medicare. Because the choices vary from person to person, a YourMedPlan advisor can walk you through the policies available to you and how they differ.
Do I need a Part D plan with a Medigap policy?
Yes, if you want prescription coverage. Medigap policies sold today do not include drug coverage. Choose a stand-alone Part D plan by December 7 so it starts January 1, 2027. Going 63 days or more in a row without creditable drug coverage can lead to a Part D late enrollment penalty.
What if I join another Medicare Advantage plan instead?
Then this guaranteed issue right does not apply, because it is tied to switching to Original Medicare. A Medigap policy also cannot pay costs in a Medicare Advantage plan. If you are deciding between the two, talk with a YourMedPlan advisor before you enroll.
When should I apply for a Medigap policy?
Apply before December 31, 2026, so your policy can start January 1, 2027, without a gap in coverage. Your window opens when you receive your non-renewal letter and closes 63 days after your plan ends, on March 4, 2027. A licensed advisor can help you time your application.
Important Disclosures
We do not offer every plan available in your area. Currently, we represent multiple organizations that offer a variety of products in your area. For information on all available options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
SandStone Partners Health, LLC dba YourMedPlan is not affiliated with or endorsed by any government agency. This is an advertisement for health insurance. Not all carriers or plans are available in every state or region. Plan availability, benefits, and costs may vary by location. Limitations and exclusions apply.
