I’ll add that the commercials are intentionally vague about that.
I’ll also add that the Medigap carriers could make things very easy on themselves and us by simply providing a notice by any of several modes that:
“Your plan has been renewed for the next year. It will remain in force so long as you pay the new premium. You only need to contact us if you want to make changes to your current plan.”
Operators have told me that this one simple subject is what clogs the system and is the issue in most of the calls they are answering right now. It is the only reason I called since I could find absolutely no statement to that effect by mail, by e-mail or on my account web page.
Should be in your Medigap contract. My Plan G contract says, “This contract is guaranteed renewable for life.”
The only way you lose coverage is failing to pay the premium.