It depends on each person's medical history. You do have to pass underwriting to move from a Medicare Advantage plan to Medicare with a Supplemental. One of the advantages of selecting Medicare with a Supplemental Plan when you first become eligible is that you are unconditionally accepted. I believe you can make a change during your first year without underwriting. You used the word "most"; this means more than half. I would not be surprised if more than half the people on Medicare Advantage plans would fail underwriting if they tried to switch to Medicare with a Supplemental. There are a few states in the northeast that disallow the underwriting requirement.
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Originally Posted by RoboVil
Medicare Advantage plans have you locked in. You cannot go from a Medicare Advantage plan back to regular Medicare in most cases. Good luck.
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