Quote:
Originally Posted by JMintzer
Wrong...
And wrong again...
No one is confusing a Medigap policy with a Medicare Advantage Plan (except for you...)
If you choose a Medicare Advantage Plan, yes, you can switch to regular Medicare (with no penalty), BUT ONLY WITHIN THE FIRST THREE MONTS OF YOUR INITIAL ENROLLMENT.
After that tine period, if you want to switch back the regular Medicare, YOU MUST go thru an underwriting process... PERIOD.
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Depends on your official state of residence. Massachusetts (and I think) a few others do not require underwriting for supplement plans.