Medicare Advantage enrollment is easy, but switching back requires medical underwriting that a stent, GLP-1 prescription, or high blood pressure can permanently block.
Federal law gives Medigap applicants one guaranteed-issue window: six months starting at 65 with Part B enrollment; after that, carriers can legally deny you.
Original Medicare without a supplement carries a $1,736 per-benefit-period hospital deductible and unlimited 20% Part B coinsurance with no annual out-of-pocket cap.
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A 71-year-old Florida widow had spent two years fighting her Medicare Advantage plan over a cardiology referral. She finally decided she was done. A broker helped her choose Medigap Plan G and start the application. Then the insurer saw the stent placed in 2023 and declined her. Other carriers followed. She was allowed to leave Medicare Advantage. Buying the coverage she wanted on the other side was the problem.

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