If you go with a POS advantage plan when you hit 65, you probably have a 5% chance of converting to a Medicare supplement plan in the future. Any supplement plan has the right to refuse you if you have ANY medical issues in the past 2 years. I had a supplement plan from out of state and I looked to get a local supplement plan from any insurance company, even my current provider but from Florida and I was refused by all of them. So what they say about good luck to be able to switch to a supplement in the future is true. Get a good supplement when you turn 65
|