Licensed specialist for veterans: (202) 552-1418

Frequently Asked

Can I go back to Original Medicare if I try Medicare Advantage?

Yes. During AEP (Oct 15 – Dec 7) or MA OEP (Jan 1 – Mar 31), you can drop your MA plan and return to Original Medicare. TFL stays in place either way.

Yes — anytime during the right window.

  • AEP (Oct 15 – Dec 7): Drop MA, return to Original Medicare. Effective Jan 1.
  • MA OEP (Jan 1 – Mar 31): Drop MA, return to Original Medicare. Effective the next month.
  • SEPs: Available for qualifying life events (moving, losing eligibility, etc.).

TFL is unaffected by the switch. It will simply resume wrapping Original Medicare instead of your old MA plan.

One important note for non-TFL beneficiaries (doesn't apply to you): switching from MA back to Original Medicare can mean losing guaranteed-issue rights for Medigap. For TFL beneficiaries this is irrelevant — you don't need Medigap. Your wraparound is built in.

Related glossary terms

Official sources

Last reviewed January 2026 against the 2026 Medicare & You and TRICARE For Life handbooks.