- posted 10 years ago
I'm trying to help my mom figure out a few things (so there will likely be more posts in this thread as time progresses :).
One bit of simplificiation to get out of the way up front -- neither the "when you first sign up for Medicare B" Medigap guaranteed issue condition nor the "tried Medicare Advantage for the first time and have been in it less than a year" guaranteed issue condition (or any of the other guaranteed issue conditions) apply.
So, some questions:
1) You can always (during the annual open enrollment) switch from Medicare Advantage to Original Medicare regardless of age, health, etc., correct?
2) If you do so, you have the guaranteed right to also join Medicare D prescription coverage?
3) However, you have no right to be issued a Medigap policy? (I imagine that's true, unless state law provides to the contrary).
4) Is there any guaranteed right to be able to join a Medicare Advantage plan?
5) If you switch from Medicare Advantage to Original Medicare (with or without an associated Medigap policy), do you have a guaranteed right to go back to a Medicare Advantage plan in the future (including the same plan you were previously in if it is still being offered)?
6) You often hear about doctors refusing to take Medicare patients. Is that in the context of Original Medicare, Original Medicare + Medigap, or Medicare Advantage? Or with all of them?
7) How do pre-existing exclusions work when switching between Medicare Advantage and Original Medicare (in either direction) or between Medicare Advantage plans, or between Medigap plans, assuming you have been in the plan you're switching from at least 6 months and have no gaps in coverage?
I'm sure I'll think of more questions :)
-- Rich Carreiro firstname.lastname@example.org