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Originally Posted by wendyquat
I still haven't seen anyone comment as a person with a pre-existing condition and their experience with a Medicare Advantage plan and what might happen if they have to go back to traditional medicare and supplement. Since the Medicare Advantage plans are working for them, it hasn't been an issue. I just wonder what the future will be for Medicare Part C plans and what might happen if "Obamacare" makes them not feasible. I agree that if all is going well with you and your Part C plan (HMO or PPO) right now you might not think of what will happen if you have a pre-existing condition and are forced to go back on traditional Medicare and seek a supplement. Please chime in if you have had an experience with this.
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I have seen an oncologist every few months for follow-up after breast cancer surgery and treatment, 10 years ago. I left Medicare and a supplemental insurance policy almost a year ago to go with the Preferred Care Partners Advantage Plan (It will become the "Gold Plan" starting in January). I don't know why I would be "forced to go back on traditional Medicare and seek a supplement"? The only way I can see that happening is if advantage plans are discontinued for some reason. I believe that all of us thousands, who would be faced with going back to traditional Medicare, would do so without being penalized for pre-existing conditions. If I CHOOSE to go back on traditional Medicare, just because I don't want to be with an advantage plan anymore, there is no doubt that I would be denied or slapped with super high premiums by the supplemental insurance company. Since I believe that keeping my life as stress-free as possible is what I need to do as a cancer survivor, I do not spend any time worrying about "what might happen". I trust that everything will work out fine. As for my experience with an advantage plan as a cancer survivor, I am receiving great care and I have a terrific oncologist who is compassionate and thorough. Some of the oncologists I saw while on Medicare left a lot to be desired. I hope this helps.