Missing the 6-month Medigap enrollment window at 65 allows insurers to deny coverage or charge more based on pre-existing conditions like diabetes.
Only 4 states offer meaningful Medigap protections beyond the federal window: Connecticut, New York, Massachusetts, and Maine. Most beneficiaries are left subject to medical underwriting.
Before leaving Medicare Advantage, confirm remaining protected rights, compare multiple Medigap insurers, and secure approval before finalizing any switch to Original Medicare.
Many financial professionals are salespeople paid on what they push, not whether you end up wealthier. A fiduciary is the opposite. The SEC legally requires them to put your interests first. Advisor.com's free matching tool pairs you with vetted fiduciaries from major national firms, all in under three minutes. See who you match with today.
At 65, an Ohio woman picked a zero-premium Medicare Advantage plan because she was healthy and the sales brochure looked cheaper than adding a Medigap policy to Original Medicare. Two years later, her doctor diagnosed Type 2 diabetes, started her on insulin, and referred her to an endocrinologist outside the plan's network. Now 67, she wants to switch to Original Medicare with a Medigap Plan G so she can use a broader range of specialists.
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Only 4 states offer meaningful Medigap protections beyond the federal window: Connecticut, New York, Massachusetts, and Maine. Most beneficiaries are left subject to medical underwriting.
Before leaving Medicare Advantage, confirm remaining protected rights, compare multiple Medigap insurers, and secure approval before finalizing any switch to Original Medicare.
Many financial professionals are salespeople paid on what they push, not whether you end up wealthier. A fiduciary is the opposite. The SEC legally requires them to put your interests first. Advisor.com's free matching tool pairs you with vetted fiduciaries from major national firms, all in under three minutes. See who you match with today.
At 65, an Ohio woman picked a zero-premium Medicare Advantage plan because she was healthy and the sales brochure looked cheaper than adding a Medigap policy to Original Medicare. Two years later, her doctor diagnosed Type 2 diabetes, started her on insulin, and referred her to an endocrinologist outside the plan's network. Now 67, she wants to switch to Original Medicare with a Medigap Plan G so she can use a broader range of specialists.
#original
3 months ago
