So you can easily go from a traditional Medicare supplement to an Advantage plan without medical underwriting. But not the other way. So one of the best things about the Affordable Care Act (ACA or Obamcare) was the elimination of preexisting conditions. Achieve Medicare age and now preexisting conditions come into play again (unless you live in one of four states where your premiums are higher for this privilege). So many different plans and different rates it is a wonder a person of much below average intelligence can navigate. Plan F is not available to new enrollees. What else will change in the future? If you are currently paying higher rates anticipating future medical needs you are not going to want all the people who savined money on Advantage plans in their healthier younger years to be allowed back to regular Medicare when they get sicker. But hey, things can change at any time.
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