Quote:
Originally Posted by wendyquat
You sound knowledgeable on the subject. I haven’t found an agent who can answer my question: “If I change from Medicare with supplement to an advantage plan can I switch back at open enrollment if I’m not satisfied with the advantage plan?” Would my pre-existing be covered? Thanks
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There are a number cases when you can do that listed on
guaranteed issue rights | Medicare.gov
In general if you are not satisfied
in the first year of using the Advantage plan you can switch back to a regular supplemental without having to pay an increased premium or take a physical.
There is a lot of info on the medicare.gov web site...
Some of the cases from that page:
"You joined a Medicare Advantage Plan or Programs of All-inclusive Care for the Elderly (PACE) when you were first eligible for Medicare Part A at 65, and within the first year of joining, you decide you want to switch to Original Medicare. (Trial Right)
You dropped a Medigap policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time, you’ve been in the plan less than a year, and you want to switch back. (Trial Right)
Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage otherwise ends through no fault of your own.
You leave a Medicare Advantage Plan or drop a Medigap policy because the company hasn't followed the rules, or it misled you."