If you do not take action, your Providence Medicare Supplement plan will end on March 31, 2027. If you remain enrolled in Medicare, you will only be covered by Original Medicare beginning April 1, 2027, but you will no longer have a Medicare Supplement policy to help pay Medicare deductibles, coinsurance, and other out-of-pocket costs.

You need to choose how you want to get your health and prescription drug coverage. Here are your options for Medicare coverage:

Option 1: Enroll in a Medicare Supplement (Medigap) plan from another insurance company

Timing: Enroll between October 15, 2026 - June 2, 2027.

A Medicare Supplement plan helps pay some out-of-pocket costs not covered by Original Medicare. When your Medicare Supplement coverage ends on March 31, 2027, you will continue to have Original Medicare as long as you remain enrolled in Medicare. To protect your guaranteed issue rights (so insurers cannot deny coverage or exclude pre-existing conditions), you must enroll in a similar Medicare Supplement plan, or one with fewer benefits, no later than 63 days from the day your coverage ends (3/31/27), which is June 2, 2027. If you want to have continuous Medicare Supplement coverage, you should choose a new plan that is effective April 1, 2027.

Note: Prescription drug coverage is not included with Medicare Supplement plans. If you would like prescription drug coverage, you will need a separate Medicare Part D plan. If you are already enrolled in a Part D plan, your coverage will continue and will not be terminated when your Providence Medicare Supplement plan ends.

Option 2: Enroll in a Medicare Advantage plan.

Timing: Enroll between October 15, 2026 – December 7, 2026 (Annual Enrollment Period)

Medicare Advantage plans can only be purchased during the Annual Enrollment Period, with coverage effective January 1, 2027. You will not be able to enroll in a Medicare Advantage plan outside of this enrollment period.

Medicare Advantage plans are offered by private insurance companies that contract with Medicare to provide your benefits. These plans cover all services included under Original Medicare and may offer additional benefits, such as dental, vision, or hearing coverage. Most Medicare Advantage plans also include prescription drug coverage.

If you choose a Medicare Advantage plan, you will need to cancel your Providence Medicare Supplement policy once your new coverage becomes effective. Cancellations must be submitted in writing to Providence at PO Box 14590, Salem, OR 97309 or email at medsupenrollment@ayin.com

• You will keep Original Medicare but will no longer have Medicare Supplement coverage after March 31, 2027.
• Original Medicare does not include prescription drug coverage. If you need prescription drug coverage, make sure you have a Medicare Part D plan or other creditable prescription drug coverage.
• Original Medicare also does not limit the amount you pay out of pocket each year and does not cover all health care costs. You are responsible for certain costs, such as deductibles and coinsurance, which can add up over time. Learn more at www.medicare.gov/basics/costs/medicare-costs
• Without a Medicare Supplement or Medicare Advantage plan, you may have higher out-of-pocket costs.

Please visit www.medicare.gov or refer to your Medicare & You Handbook for a list of all Medicare health and prescription drug plans in your area. If you want to join one of these plans, call your licensed insurance agent or call the insurance carrier to get information about their costs, rules, and coverage.

Contact your licensed insurance agent or broker.

• If you do not currently work with an insurance agent, visit https://shiba.oregon.gov/get-help/Pages/help-near-you.aspx to find a local Medicare insurance agent or get help from a Senior Health Insurance Benefits Assistance Program (SHIBA) certified Medicare counselor.
• Visit www.medicare.gov to compare plans available in your area.
  Click “Find health & drug plans” to compare the plans in your area.
• Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week (TTY 1-877-486-2048). Tell them you got a letter saying your plan isn’t going to be offered next year and you want help choosing a new plan.

Yes. Because your Providence Medicare Supplement plan is being terminated, you may qualify for a guaranteed issue right. This means you can enroll in a Medicare Supplement (Medigap) plan with another insurance carrier without medical underwriting. Insurers cannot deny coverage, charge you more because of your health, or impose pre-existing condition exclusions. You may choose a Medigap plan with the same benefits as your current plan or one that offers fewer benefits.

Guaranteed issue rights are time-sensitive. In most cases, you have 63 days after your current coverage ends to enroll in a new Medicare Supplement plan and take advantage of these protections. Because your Providence Medicare Supplement coverage ends on March 31, 2027, your guaranteed issue enrollment period begins when you receive your termination notice on or around October 15, 2026, and continues through June 2, 2027 (63 days after March 31, 2027).

Important: To ensure guaranteed issue protections apply, be sure to enroll in a new Medicare Supplement plan before June 2, 2027.

• The termination of Providence Medicare Supplement (Medigap) plans does not create an SEP for enrollment in a Medicare Advantage plan or a standalone Part D prescription drug plan.
• Members who wish to enroll in a Medicare Advantage or standalone Part D plan must do so during the Annual Enrollment Period (AEP), which runs from October 15, 2026, through December 7, 2026, for coverage effective January 1, 2027.

No

If you switch to another Medigap plan, make sure to check with your provider to see what insurance they accept. To view Providence accepted health plans in your area, visit www.providence.org/services/providence-medical-group-oregon