Quote:
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 had just signed up for a Medicare Advantage plan last year when I was diagnosed with pancreatic cancer. So during 2013 I have been forced to pay the 20% coinsurance costs of Part B chemo drugs, etc, up to the out-of pocket ceiling of $5000. I am choosing to change my policy to the AARP UHC Plan F for next year, since the total annual premium costs are about $2300. Obviously that is better than paying $5000 for an Advantage plan. One of the benefits of the Affordable Care Act is that you can get any Advantage plan regardless of pre-existing conditions. However, you cannot get a Medigap or supplemental plan at the low advertised prices with pre-existing conditions unless you are a resident of several states. Those include New York and Connecticut. My NY residency gives me the full range of choices. The only time folks with pre-existing conditions from other states, including Florida, can get guaranteed admission to a Medigap plan is in the first six months after their 65th birthday, their first six months of Medicare registration.