What to Do When Your Medicare Advantage Plan Is Terminated — Florida Guide The Health Experts Insurance helps Florida seniors navigate Medicare Advantage plan terminations and exits. If your Medicare Advantage plan is ending, you have options. Free consultations at 1-800-380-6821. What happens when a Medicare Advantage plan exits the market? When a Medicare Advantage plan discontinues or exits a service area, affected members receive a Special Enrollment Period (SEP) from CMS — Centers for Medicare and Medicaid Services. This allows you to enroll in a new Medicare plan without waiting for the Annual Enrollment Period. What is the AvMed Medicare termination in Florida? AvMed discontinued all Medicare Advantage plans in Florida effective January 1, 2026. Thousands of Florida seniors in Miami-Dade, Broward, and across the state were affected. Former AvMed members qualify for a Special Enrollment Period and can enroll in a new Medicare plan immediately. Do I have to wait until October to switch plans after my plan terminates? No. When your Medicare Advantage plan terminates or exits your area, CMS grants you a Special Enrollment Period. You can enroll in a new Medicare Advantage, Medicare Supplement, or Part D plan right away. Coverage can begin as soon as the first of the following month. Will I be automatically enrolled in a new plan? No. You must actively choose and enroll in a new plan. If you do not enroll, you will be returned to Original Medicare — but you will have no prescription drug coverage and may face significant out-of-pocket costs. Contact a licensed broker immediately to avoid a gap in coverage. What are my options when my Medicare Advantage plan terminates? You can enroll in a new Medicare Advantage plan, switch to Original Medicare plus a Medicare Supplement plan, or enroll in Original Medicare plus a standalone Part D plan. A licensed broker can compare all three options for your specific doctors, prescriptions, and budget at no cost. How do I find a replacement Medicare plan in Miami after AvMed? The Health Experts Insurance specializes in helping former AvMed members and other Florida seniors find replacement Medicare plans. We verify your doctors are in-network, check your prescriptions, and compare plans from 14 carriers — all at no cost. Call 1-800-380-6821 or visit healthexps.com/avmed-medicare-florida. The Health Experts Insurance — 1695 NW 110 Ave, Suite 224, Doral, FL 33172 — 1-800-380-6821