Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
If you have a Medicare Advantage Plan you can switch to a Medigap Plan during AEP (Annual Election Period). Unless you are in a Guaranteed Issue situation, you will have to medically qualify for a Medigap Plan.
There are other times during the year that you can switch from a Medicare Advantage Plan to Medigap. If you have Guaranteed Issue Rights, you can purchase a Medigap Plan in your state during your Guaranteed Issue period.
Some Guaranteed Issue situations include:
1. Your Medicare Advantage Plan is leaving Medicare or stops giving care in your area.
2. You move out of your Plan's service area.
3. You joined a MA / MAPD when your were first eligible for Medicare Part A at 65 and within the first year of joining, you decide to switch back to Original Medicare.
4. You dropped a Medigap Policy to join a MA / MAPD for the first time. You've been in the Plan less than a year and you want to switch back.
5. You leave a MA / MAPD because the company hasn't' followed the rules -- or misled you.
MA = (Medicare Advantage)
MAPD = (Medicare Advantage Prescription Drug)
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There are other times during the year that you can switch from a Medicare Advantage Plan to Medigap. If you have Guaranteed Issue Rights, you can purchase a Medigap Plan in your state during your Guaranteed Issue period.
Some Guaranteed Issue situations include:
1. Your Medicare Advantage Plan is leaving Medicare or stops giving care in your area.
2. You move out of your Plan's service area.
3. You joined a MA / MAPD when your were first eligible for Medicare Part A at 65 and within the first year of joining, you decide to switch back to Original Medicare.
4. You dropped a Medigap Policy to join a MA / MAPD for the first time. You've been in the Plan less than a year and you want to switch back.
5. You leave a MA / MAPD because the company hasn't' followed the rules -- or misled you.
MA = (Medicare Advantage)
MAPD = (Medicare Advantage Prescription Drug)
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