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Forced to switch to biosimliar of Prolia by local provider clinic
Osteoporosis & Bone Health | Last Active: Dec 25, 2025 | Replies (21)Comment receiving replies
@sueinmn If someone switches back to Original Medicare from Advantage plan, what about getting the Medicare supplemental plan (Medigap plan) to cover the 20% Medicare does not cover? I have read that at the time of initial enrollment in Medicare all insurance plans must take you regardless of existing health problems. After they are no longer required to accept you and can refuse or charge you more.
Replies to "@sueinmn If someone switches back to Original Medicare from Advantage plan, what about getting the Medicare..."
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@vic83 The only time you are eligible for changing to the traditional supplement without going through evaluation be the company is if your Advantage Plan goes away. This happened to a lot of Minnesotans this year when two companies pulled out of the market, and those people could change to any plan. The downside, they sometimes cost more, depending on income, coverage and other factors.
I have not had to do this, but have friends who did it.
Many years ago, even before "Advantage" plans, we got excellent advice from our insurance agent (who does not do medical plans.) She said "Don't buy the plan you need today, buy the plan you will need when you are 80. Consider the extra premiums a down payment on future care." Wow, what precious counsel that was - we pay higher premiums, but no copays except for medications - even with several surgeries and a laundry list of chronic health issues between us. So we know exactly what our costs are from year to year, with no surprises from hospital, surgery, PT and specialist copays.