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Profile picture for rngma1118 @rngma1118

@vic83 actually, if you're on an Advantage plan, you can only switch back to traditional Medicare after the 1st year, one time only. After that one year mark, you're on Advantage for life. I think it's a rip off. People sign up because it's cheaper, and you hedge your bet that you'll stay healthy as you age. Once you start having health problems you'll start paying out the wazoo. It's a scam, in my opinion. My mom fell for the zero premium and zero copay for prescription. She's always been healthy as a horse, but at 91 ½, she's starting to have problems. It makes me furious

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Replies to "@vic83 actually, if you're on an Advantage plan, you can only switch back to traditional Medicare..."

@rngma1118 There is one "loophole" to beware of as insurers drop out of the Advantage marketplace. You can switch to traditional Medigap if your insurer stops offering the plan. There are other rules as wel,, but it gave some of my friends a new chance this year.

@rngma1118 I agree that these Medicare Advantage plans are a scam and only serve the insurance company. We don't need choice we need coverage. The marketing of these plans is disgusting. My Medigap plans does give me an eye refractory exam, one hearing test a year and Silver Slippers. It is a matter of what plan you choose. It is easy to add Part D plans on the Medicare site and they can have very low premiums, even $0. And one can change Part D plans every year to cover changes in Medication. But I understand that one can change Medicare plans during the enrollment period every year or when one moves to a different State.