[villagetinker]

Originally Posted by CFrance

We were told if we started with Medicare Advantage and then wanted to switch to Medicare and Medigap, we could then be charged extra for certain aches & pains we had, and pre-existing conditions, including some minor things as blood pressure medication, however small, cholesterol, etc. They said that was called underwriting.

If we signed up for Medicare and Medigap from the beginning, they could do no underwriting due to health conditions.

We went with the Medicare/Medicap. IMO, if a truly serious illness befalls us, we will go to whatever medical facility in the US specializes in that condition, and don't want to be hampered by out-of-network problems.

Nailed it!!!!