Call the doctor and your plan to confirm the contract ended—directory errors happen.
Plans must give you at least 30 days’ written notice when a provider you use regularly is dropped. Medicare
If you’re in mid-treatment (chemotherapy, pregnancy, post-op, etc.), the No Surprises Act lets you keep seeing that doctor for up to 90 days at in-network rates while you transition. Tell the plan you want to elect transitional care. Centers for Medicare & Medicaid Services
Option A: Stay with the doctor out-of-network. Expect higher cost-sharing—sometimes 100 % in an HMO.
Option B: Pick a new in-network provider. Use the updated directory and get referrals transferred.
Option C: Switch plans. If CMS rules the termination a “significant” network change, you get a Special Enrollment Period (SEP) to move to another Medicare Advantage plan—or drop MA, return to Original Medicare, and buy a Part D plan (and, in many cases, Medigap on a guaranteed-issue basis). Centers for Medicare & Medicaid Services
A CMS-granted SEP lasts two months after you’re notified.
Otherwise, your next chance to change plans is the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31) or the annual fall window (Oct 15 – Dec 7).
Save letters, EOBs, and any bills. If costs spike because the plan didn’t give proper notice or honor continuity-of-care, file an appeal and include your documentation.
Call 888-376-2028 and our licensed Medicare advocates will:
Confirm your eligibility for a Special Enrollment Period,
Compare every local plan’s provider list, and
Walk you through the switch—no cost, no pressure.

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