What You Need to Know About Medicare Advantage Auto Enrollment 

Many seniors are surprised to learn they’ve been automatically enrolled in a Medicare Advantage plan. It can happen without a clear explanation. This can lead to stress, confusion, and even gaps in care. At The Best Senior Services, we help seniors connect with licensed professionals in their area who do.   

Here’s what you need to know about Medicare Advantage auto enrollment and how to take control of your coverage. 

 

1. What Is Medicare Advantage Auto Enrollment?

Medicare Advantage auto enrollment means being signed up for a Medicare Advantage plan without actively choosing one. 

This usually happens when: 

• You become newly eligible for both Medicare and Medicaid. 

• You’re in a state program that coordinates benefits. 

• You live in an area where your provider auto-enrolls eligible patients into its preferred plan. 

These plans are often managed by private insurance companies. While the idea is to simplify coverage, it can create confusion if you don’t expect it. 

 

2. Who Gets Automatically Enrolled and Why You Might Not Know It

Some groups are more likely to be affected: 

• Dual-eligible individuals (those with both Medicare and Medicaid). 

• People transitioning out of employer-sponsored coverage. 

• Individuals who qualify for a Medicare Savings Program. 

Auto enrollment notices may be sent by mail. Unfortunately, many seniors either miss these letters or don’t understand what they mean. That’s why it’s important to regularly check your Medicare status and plan information. 

 

3. What to Do If You’ve Been Automatically Enrolled

Not sure if you’ve been automatically enrolled? Here’s what to do: 

• Check your Medicare Summary Notice or contact 1-800-MEDICARE (1-800-633-4227). 

• Call the plan listed in your documents to confirm enrollment. 

• If you don’t want the plan, you can opt-out during a valid enrollment period. 

Changes can be made during: 

• The Annual Enrollment Period (October 15 – December 7). 

• The Medicare Advantage Open Enrollment Period (January 1 – March 31). 

You can also call Medicare or a licensed agent to help review your options. 

 

4. Do Medicare Advantage Plans Automatically Renew Each Year?

Yes, Medicare Advantage plans automatically renew every year if the plan is still available in your area. 

But that doesn’t mean everything stays the same. Providers may change: 

• Premiums 

• Coverage rules 

• Network providers 

• Prescription drug formularies 

If your plan is discontinued, you’ll get a notice. It’s your responsibility to review your Annual Notice of Change (ANOC) and decide if you want to stay enrolled or switch. 

 

5. Medicare Advantage vs. Original Medicare: What’s the Difference?

Here’s a quick comparison: 

Feature	Original Medicare	Medicare Advantage
Provider Choice	Any provider that accepts Medicare	Must use plan’s network
Prescription Coverage	Needs Part D plan	Often included
Out-of-Pocket Limits	No cap	Annual maximum out-of-pocket
Referrals Needed	Not usually	Often required

 

Knowing the difference between Medicare and Medicare Advantage helps you make the right choice for your health and budget. 

 

6. Medicare Advantage vs. Medicare Supplement: Know Your Options

Many people confuse Medicare Advantage with Medicare Supplement (Medigap) plans. 

Here’s the difference between Medicare Advantage and Medicare Supplement: 

• Medicare Advantage replaces Original Medicare and includes extra benefits (vision, dental, etc.). 

• Medicare Supplement works with Original Medicare to help cover out-of-pocket costs like deductibles and coinsurance. 

Choose a Medicare Supplement if: 

• You want the freedom to visit any provider that accepts Medicare. 

• You want predictable costs with fewer network restrictions. 

Choose a Medicare Advantage plan if: 

• You want extra benefits and are comfortable using a provider network. 

 

7. What to Expect from Medicare Advantage Plans in 2025

Looking ahead, Medicare Advantage plans in 2025 may offer: 

• More telehealth and remote care options 

• Expanded dental and hearing coverage 

• Lower premiums in certain regions 

• Increased focus on preventive care 

It’s important to check your plan’s details each year to stay up to date with what’s offered and what’s changing. 

 

8. Tips to Stay Informed and in Control of Your Medicare Coverage

Here are a few simple steps to stay on top of your Medicare Advantage plan: 

• Review your plan every year during the Annual Enrollment Period. 

• Check your providers to make sure they’re still in your network. 

• Use SHIPs (State Health Insurance Assistance Programs) for free, unbiased help. 

Need extra support? The Best Senior Services connects you with licensed representatives who can explain your options and help you make the best choice for your needs. 

 

Contact The Senior Services Today 

Medicare Advantage automatic enrollment can be confusing—but it doesn’t have to be. By understanding the process and knowing what to watch for, you can take control of your coverage and avoid costly surprises. The Best Senior Services is here to help. We connect you with trusted, licensed professionals who can. Call us today! 

 

FAQs 

What is Medicare Advantage auto enrollment?  

Auto enrollment means you’re signed up for a Medicare Advantage plan without actively choosing it, usually through Medicaid or a state-run program. 

Who is most likely to be auto-enrolled?  

People who qualify for both Medicare and Medicaid or certain state assistance programs are most commonly auto-enrolled. 

How do I know if I’ve been automatically enrolled?  

Check your Medicare Summary Notice or call 1-800-MEDICARE to confirm your current coverage and plan. 

Can I cancel an auto-enrollment in Medicare Advantage?  

Yes, you can opt out or switch during the Annual Enrollment or Medicare Advantage Open Enrollment periods. 

Do Medicare Advantage plans renew automatically each year?  

Yes, they do unless your plan is discontinued or you choose to make a change during enrollment periods. 

What happens if my Medicare Advantage plan changes next year?  

You’ll get an Annual Notice of Change. Review it and switch plans if the new terms don’t meet your needs. 

What is the difference between Medicare and Medicare Advantage?  

Medicare Advantage replaces Original Medicare and often includes extras, but usually has a provider network. 

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Supplement works with Original Medicare to cover out-of-pocket costs. Advantage plans are stand-alone replacements with network limits. 

Can I switch back to Original Medicare from a Medicare Advantage plan?  

Yes, but you may have to wait for the right enrollment period and might need to apply for a Medigap plan. 

Where can I get help choosing the right plan?  

Contact a licensed representative through The Best Senior Services. We’ll connect you with local experts for free.