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@cole5055
The problem is, if you’ve already picked an advantage plan then getting A supplemental may not be possible if you’ve had it over a year.
Here are the details?
Trial Period Rights: If you are within your first 12 months of joining a Medicare Advantage plan, or if you left a Medigap plan to join MA for the first time, you have special "trial period" rights, making it easy to switch back.
Guaranteed Issue: If your MA plan terminates coverage or you move outside its service area, you get a 63-day "guaranteed issue" window to purchase specific Medigap policies (A, B, C, F, K, or L) without medical questions.
Underwriting Risk: Outside of guaranteed issue periods, companies can refuse to sell you a Medigap policy due to pre-existing conditions. This is common if you are switching simply because you don't like your current MA plan.
Best Time to Switch: The best time to change is during a "guaranteed issue" period, often within 63 days of losing or changing coverage
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@jeffmarc I am with you 🙂 I read everything I could before I turned 65…….. Supplement plans are the only way to go. Advantage plans seem better? But in the long run if you’re dealing with cancer it changes the whole dynamic…….. Agents are trained to sell you Advantage plans! They make way more money unfortunately not in the consumers best interest…….
I was very fortunate to be eligible for ( same coverage as a supplemental plan ) Tri-care for life as a 20 Air Force Veteran. They tried to sell me an Advantage plan & and actually sold me a plan “E” supplement plan. Only to find out later I did not need it because of my Military service in the Air Force. Luckily I found out in time and cancelled my plan “E” in time! Wish you well and hope you can correct this 🙏
Ray & Lucy