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Originally Posted by Arlington2
Good to know there is an opt out if health turns south. We have had been in advantage programs for nearly 15 years and have been very satisified and especially satisfied with TVHS. Our health problems have been less than yours but not insignificant involving a couple of surgeries and hospital stays. Good to know we can change to a supplemental if that turns out to be advantageous.
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In most states MediGap supplemental plans can deny coverage if you are switching after a number of years from an Advantage Plan to a MediGap plan. The MediGap plan can deny coverage for preexisting conditions for a certain time period. (Six month+) For example, suppose you got cancer and wanted treatment at Moffitt Cancer Center. If you switched to a MediGap plan you would be responsible for all your cancer treatment costs at Moffitt until you got beyond the six month preexisting exclusionary period. This is just an example but MediGap plans are allowed to exclude preexisting conditions if you are switching from an advantage plan. Your rates may be much higher as well. This was my main concern in going with an Advantage plan and then looking at switching back to a MediGap plan. It might not work out.