Quote:
Originally Posted by GoRedSox!
While the ACA is far from perfect, it is much better than the alternative—nothing. The main detractors of the ACA have had 14 years to come up with a “repair and replace” plan and they have never put forward any concrete proposal. The ACA now covers over 40 million Americans, including over 21 million in marketplace plans. There are many challenges with our health care delivery system. These challenges were not caused by the ACA. We really don’t want to go back to the days of pre-existing conditions and catastrophic plans. As an FYI, there is no Pre-existing condition limitation on Medicare Supplemental plans if you sign up at the time of eligibility. No underwriting, no pre-ex. Must issue at age 65.
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But when signing up at age 65 and selecting an Advantage plan, it is basically the selection for the rest of your life (you can change within first six months or something like that). But selecting a MediGap plan allows you to switch to Advantage later, but not the other direction. Some states allow the change. A fair number of people don't understand this. Also some people don't know your Medicare premiums can double or more depending on your income. My widowed cousin sold her house and is now stuck paying double for two years - pretty sad.