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Originally Posted by Carla B
A couple of years ago we decided to go from an employer-sponsored PPO plan to a supplemental plan. We dropped the employer plan due to the fact that we were out of network by living in FL. Anyway, in order to enroll in the Medigap we had to be able to answer certain health questions. It's my opinion (but I don't know for sure) that if someone wanted to switch from an Advantage plan back to Medigap they'd have to be able to answer those same health questions.
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I believe you are correct about that. Our insurance broker told us that if we went with an advantage plan first upon turning 65, then tried to switch to a supplemental plan, the insurance companies could underwrite us, which means they could consider existing conditions and charge more than normal. This is supposed to end in 2014 under Obamacare, though, providing Obamacare is not repealed.