Yes, GA, you’re right. I misread. After I was told how hard it is to get back on Medicare, especially with my husband having so many issues, I sat in my hands and just left things the way they are. He’d be denied for sure.
During open enrollment you can move from an Advantage plan to Original Medicare - no problem. However, if you want a supplement plan, you will have to be medically rated and often have to pass a physical (unless you choose the supplement plan at age 65). They can (and do) turn you down.
Um, I don't think she wants to switch from Medicare to an Advantage plan, but rather FROM an Advantage plan back to original Medicare, with a supplement, perhaps something like a Gap plan.
SKJ, could you perhaps clarify?
And I assume you're aware of the time limitations on switching Plans?
I got the advice here to be very careful when dropping regular Medicare for an Advantage plan. It was explained that it may be very difficult to rejoin Medicare; required medical exams and possibly denial. Medicare Advantage plans certainly sound wonderful but this advice made me think.
To switch to a new Medicare Advantage Plan, simply join the plan you choose during one of the enrollment periods. You'll be disenrolled automatically from your old plan when your new plan's coverage begins. To switch to Original Medicare, contact your current plan, or call us at 1-800-MEDICARE.
Join, switch, or drop a Medicare Advantage Plan | Medicare.gov
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SKJ, could you perhaps clarify?
And I assume you're aware of the time limitations on switching Plans?
I hope this information helps:
To switch to a new Medicare Advantage Plan, simply join the plan you choose during one of the enrollment periods. You'll be disenrolled automatically from your old plan when your new plan's coverage begins. To switch to Original Medicare, contact your current plan, or call us at 1-800-MEDICARE.
Join, switch, or drop a Medicare Advantage Plan | Medicare.gov