[tophcfa]

Originally Posted by Dusty_Star

An interesting article about Medicare Advantage plans. "It's one of those things that people might like them on the front end because of their low to zero premiums and if they are getting a couple of these extra benefits — the vision, dental, that kind of thing," says Christine Huberty, a lead benefit specialist supervising attorney for the Greater Wisconsin Agency on Aging Resources.

"But it's when they actually need to use it for these bigger issues," Huberty says, "that's when people realize, 'Oh no, this isn't going to help me at all.'"

Medicare Advantage plans are popular, but some seniors feel trapped when ill : Shots - Health News : NPR

And that’s exactly why there are stipulations in place that require no medical underwriting when one initially signs up for a supplemental plan, but subjects one to medical underwriting if they later attempt to switch from an advantage plan to a supplemental plan. Otherwise, it would be a no brainer for healthy people to simply select a cheap to no cost advantage plan and then switch to a supplemental plan when their health care needs become costly.