Is Your Medicare Advantage Plan Ending in Broward, Palm Beach, or Miami-Dade County? Here’s What to Do Next.
Carriers are narrowing their Medicare Advantage markets across Florida heading into 2027. Whether you want to switch to a new Medicare Advantage plan, move to Original Medicare with a Medicare Supplement plan through guaranteed issue, or explore your prescription drug options, our licensed local team can walk you through every path, at no cost, before time runs out.
Three Deadlines Worth Knowing, Right Now
More than one clock may be running at the same time. Knowing which one applies to you is the first step to not losing an option by accident.
Annual Enrollment Period
Switch to a different Medicare Advantage plan, or add or change a standalone Part D drug plan, for coverage starting January 1.
Special Enrollment Period
An extra window beyond the normal deadline, available specifically because your plan is ending through no choice of your own.
Guaranteed Issue Window
Generally runs from your notice date through 63 days after your Medicare Advantage coverage ends, with no health questions asked.
Why Was My Medicare Advantage Plan Cancelled?
It’s not something you did. Carriers across the country, including here in Florida, are narrowing where they offer Medicare Advantage plans for 2027.
Florida has one of the largest Medicare populations in the country, and Broward, Palm Beach, and Miami-Dade County residents have not been immune to these changes. Whatever the specific reason stated in your letter, the outcome is the same: you have a decision to make, and you have real options.
What to check on your notice
- The exact date your current coverage ends
- Whether it’s a non-renewal notice or a routine Annual Notice of Change
- Any deadline mentioned for choosing a new plan
- Whether the letter mentions a Special Enrollment Period
What’s the Difference Between an Annual Notice of Change and a Non-Renewal Notice?
- Annual Notice of Change (ANOC): your plan is continuing, but benefits, costs, or the network are changing for next year.
- Non-renewal / termination notice: your plan is ending entirely on December 31. This is the letter that carries special enrollment rights.
Not sure which one you received? Call us and read us the first paragraph. We’ll tell you what it means.
What “Guaranteed Issue” Actually Means
Outside of a protected window, applying for a Medicare Supplement plan usually means an insurance company can ask about your health history and use it to deny you coverage or charge you more for certain conditions. A guaranteed issue right takes that off the table.
During this specific window, if you qualify, a carrier cannot turn you down or charge you more because of your health. That protection generally applies to Medicare Supplement Plans A, B, D, and G, and in some cases C or F depending on when you first became eligible for Medicare. If you became eligible on or after January 1, 2020, Plans C and F are not available to you, which makes Plan G the most comprehensive option on the table.
How we confirm your window
We look at your notice date and last day of coverage together, since the exact plans and rules that apply can vary by circumstance.
We confirm which Medicare Supplement carriers and plans are actually available where you live.
We help you apply correctly and before your guaranteed issue window closes.
Why So Many Beneficiaries Are Choosing Medicare Supplement This Time
Nationwide freedom
See any doctor or hospital in the country that accepts Medicare, with no network to check first.
No referrals, no prior authorization
Your doctor orders the care, and you can generally get it without extra sign-off from an insurance plan.
Standardized benefits
A given plan letter, like Plan G, covers the same benefits everywhere in the country.
Pairs with any Part D plan
You choose a standalone prescription drug plan separately, so you can shop it on its own merits every year.
One plan, fewer surprises
You are not re-checking whether your doctor or pharmacy is still in-network every single fall.
Coverage that travels with you
Split your time between states? Coverage works the same way wherever Medicare is accepted.
Your Three Paths, Compared
| Feature | New Medicare Advantage Plan | Medicare Supplement | Standalone Part D Only |
|---|---|---|---|
| Provider network | Usually required | None — any Medicare provider | None for Original Medicare |
| Referrals for specialists | Often required | Not required | Not required |
| Prior authorization | Common for many services | Rare | Sometimes, for certain drugs |
| Extra benefits (dental, vision) | Often included | Not included | Not included |
| Nationwide coverage | Typically local or regional | Coast to coast | Coast to coast |
| Premium structure | Often bundled into one plan | Separate monthly premium, plus Part D | Drug plan premium only |
General comparison for educational purposes. Specific features vary by carrier, plan, and county. Plan availability varies by location.
What to Do, No Matter Which Path You Choose
Find your notice
Locate the letter and note the exact date your current coverage ends.
Get a free plan review
We’ll confirm your deadlines and walk through every option available in your county.
Compare all three paths
See a new Medicare Advantage plan, Medicare Supplement, and standalone Part D side by side.
Enroll before your deadline
Annual Enrollment ends December 7, and guaranteed issue rights run on their own clock.
Serving Broward, Palm Beach & Miami-Dade County
Broward County
From Fort Lauderdale to Coral Springs, we’re helping Broward County residents understand their options as Medicare Advantage plans change for 2027.
Palm Beach County
West Palm Beach, Boca Raton, and communities throughout Palm Beach County are seeing real changes to plan availability. We’ll help you compare what’s actually available where you live.
Miami-Dade County
Miami-Dade has one of the largest Medicare populations in the state. We break down your notice and your options in plain language, at no cost.
We’re also licensed throughout the rest of Florida, plus Georgia, Maryland, and New Jersey.
Frequently Asked Questions
Why was my Medicare Advantage plan cancelled?
What should I do if my Medicare Advantage plan is cancelled?
How long do I have to choose a new Medicare plan?
What does a Medicare Advantage non-renewal letter mean?
What’s the difference between an Annual Notice of Change and a non-renewal notice?
How long do I have to enroll in a Medicare Supplement plan under guaranteed issue?
Can I just switch to a different Medicare Advantage plan instead of Medicare Supplement?
Will I lose my current doctors if I switch to Medicare Supplement?
Is my Medicare Advantage plan being cancelled in Broward, Palm Beach, or Miami-Dade County?
What does it cost to work with Beacon Insurance Agency and GotoMedicarePlanPro?
Trusted Government Sources for the Full Picture
Medicare.gov
The official U.S. government site for Medicare. Compare every plan available in your county and review your benefits.
Visit Medicare.gov →Social Security Administration
Enroll in Medicare Part A and Part B, check your benefits, and manage your Social Security account online.
Visit SSA.gov →