Quote:
Originally Posted by Ariadne22
This is absolutely not true. The ability to switch is state specific.
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I never said that you were guaranteed or not underwritten or any other terms for the Supplemental plans only that you can switch if unsatisfied at the next open enrollment (or it looks like anytime during that first year). There are other conditions you can switch such as moving, your doctor is no longer taking Advantage plans etc., but yes, if you are trying to switch because you were suddenly diagnosed with some condition you may not be able to get a Supplemental or might be under some restrictions.
This is for switching with no underwriting
https://www.medicarefaq.com/faqs/swi...re-supplement/
Can You Switch from Medicare Advantage to Medigap Without Underwriting?
The only time you may switch from a Medicare Advantage to Medigap without underwriting is if you have a Special Enrollment Period that grants you guaranteed issue rights. This means that you will be able to enroll in the plan of your choice with no health questions. Thus, you cannot be denied coverage for any reason.
Some of the most common Special Enrollment Periods to switch from Medicare Advantage to Medigap without underwriting health questions are called trial rights.
Trial Right 1: You join a Medicare Advantage Plan when you first become eligible for Medicare at age 65 and wish to switch to Medicare Supplement within the first year.
Trial Right 2: You disenrolled from a Medigap policy to enroll in a Medicare Advantage plan for the first time, and within the first 12 months of being on the Medicare Advantage plan, you wish to switch back to your original Medigap plan.
These two trial right situations are commonly overlooked by Medicare enrollees because they are unaware the rules exist. If you wish to switch from a Medicare Advantage plan to a Medicare Supplement plan, working with a knowledgeable licensed agent is the best way to ensure you do not miss out on enrollment opportunities such as trial rights.
Can You Switch from Medicare Advantage to Medigap Without Underwriting?
The only time you may switch from a Medicare Advantage to Medigap without underwriting is if you have a Special Enrollment Period that grants you guaranteed issue rights. This means that you will be able to enroll in the plan of your choice with no health questions. Thus, you cannot be denied coverage for any reason.
Some of the most common Special Enrollment Periods to switch from Medicare Advantage to Medigap without underwriting health questions are called trial rights.
Trial Right 1: You join a Medicare Advantage Plan when you first become eligible for Medicare at age 65 and wish to switch to Medicare Supplement within the first year.
Trial Right 2: You disenrolled from a Medigap policy to enroll in a Medicare Advantage plan for the first time, and within the first 12 months of being on the Medicare Advantage plan, you wish to switch back to your original Medigap plan.
These two trial right situations are commonly overlooked by Medicare enrollees because they are unaware the rules exist. If you wish to switch from a Medicare Advantage plan to a Medicare Supplement plan, working with a knowledgeable licensed agent is the best way to ensure you do not miss out on enrollment opportunities such as trial rights.
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