Received a letter saying your plan is ending?

Received a Humana or Select Health Medicare plan notice?

If you are worried about losing your Humana or Select Health Medicare plan, start with the exact notice you received. A change or nonrenewal applies to the specific plan, service area, and coverage year named in your letter—not necessarily every plan from that insurance company.

Health Plan Assistants helps people in St. George and Washington County understand their notices and review available coverage options. Bring the full letter, your plan name and ID, the coverage end date, and your doctors and prescription list. We will help you distinguish routine changes from a plan nonrenewal and check the enrollment options for your situation.

Have both Medicare and Medicaid or a qualifying chronic condition? Explore our local Medicare–Medicaid and chronic-condition plan guidance.

Plan year 2027 · Last reviewed September 19, 2026

What is an Annual Notice of Change?

Your Annual Notice of Change (ANOC) summarizes changes to your Medicare plan’s costs and coverage for January 1. Read the comparison with the current year, then check the plan documents, drug list, and provider information relevant to you. An ANOC is not a bill. It is different from a non-renewal notice saying your plan will no longer be available.

Is my plan changing, or is it ending?

Look at the heading and instructions in your own notice. An ANOC describes next-year changes; a non-renewal notice explains that the plan will not continue and gives your options. Do not assume that every letter means you must switch. If the wording is unclear, call your plan or bring the complete notice to a licensed insurance agent.

When will my letter arrive?

Expect your ANOC in September, by September 30. If you have not received it, contact your plan to request a copy and check your member portal or electronic-delivery preferences. Read the full document rather than relying on an envelope, a summary, or a social media post.

My plan is ending. What are my deadlines?

Annual Enrollment runs October 15 through December 7, 2026, for coverage starting January 1, 2027. For a Medicare plan contract that is not renewed, the additional Special Enrollment Period runs December 8, 2026, through February 28, 2027. Other contract terminations have different windows. Follow your notice and confirm the effective date of replacement coverage.

If your Medicare Advantage plan ends without replacement Advantage coverage, you generally return to Original Medicare. Original Medicare does not include Part D. If a stand-alone drug plan ends, your Part A and Part B arrangements are separate. Check for reassignment instructions and any other drug coverage you have. Going 63 consecutive days or more without Part D or other creditable drug coverage after your initial enrollment period may result in a late enrollment penalty.

My plan changed. Does that mean I should switch?

Not necessarily. Focus on the changes that affect the care you use. Check your prescriptions and any restrictions, your doctors and hospitals, your preferred pharmacy, premiums, copays, deductibles, and the out-of-pocket limit that applies to your coverage. Compare the whole picture before deciding whether to stay or switch.

What should I bring to a plan review?

Bring every page of the notice, your Medicare card, current plan card, medication names with doses and frequency, doctors and hospitals, and your usual pharmacy. Add any questions about travel or upcoming care. Plan on about thirty minutes and confirm the appointment length and format when scheduling. More complex questions may take longer.

Schedule a plan review or call (435) 466-7213.