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it is my understanding that if someone enrolls in a MAPD plan for the first time they can cancel at anytime within the first 12 months of having the plan and go back to original medicare. is that correct in all situations or just when you turn 65? what if you are 68 and left empoyer coverage enrolled in a MAPD plan for the first time, can you cancel and go back to original medicare in the first 12 months?