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Old 08-05-2017, 03:44 PM
 
2 posts, read 1,547 times
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Hi,
I am switching from a Medicare Advantage plan to a Supplement (Medigap) plan under the 12 month "trial period." I am guaranteed issue of a Plan C or F , but there is an exclusion for a 6 month period for pre-existing conditions. This exclusion does not apply when switching from another creditable cover plan such as company sponsored medical insurance or another supplement plan, but what about when switching from an Advantage plan? I have researched and cannot find this answer.
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Old 08-05-2017, 06:06 PM
 
15,546 posts, read 21,494,837 times
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I must be missing something. Isnt Medicare "Plan C" actually an Advantage Plan? So, if you go from an Advantage Plan to a Plan C, you're not changing at all -- except maybe changing to a different Advantage Plan provider.
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Old 08-05-2017, 06:17 PM
 
Location: Wisconsin
23,546 posts, read 50,140,471 times
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Quote:
Originally Posted by skifrosty View Post
Hi,
I am switching from a Medicare Advantage plan to a Supplement (Medigap) plan under the 12 month "trial period." I am guaranteed issue of a Plan C or F , but there is an exclusion for a 6 month period for pre-existing conditions. This exclusion does not apply when switching from another creditable cover plan such as company sponsored medical insurance or another supplement plan, but what about when switching from an Advantage plan? I have researched and cannot find this answer.
Advantage is also creditable and the trial right provides you guaranteed issue:

https://www.medicare.gov/supplement-...scenarios.html


Quote:
Originally Posted by TFW46 View Post
I must be missing something. Isnt Medicare "Plan C" actually an Advantage Plan? So, if you go from an Advantage Plan to a Plan C, you're not changing at all -- except maybe changing to a different Advantage Plan provider.
No. Medgaps have "plans" A-N (with a few missing letters); Medicare has "parts" - like A, B, C, D. Advantage is Part C.
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Old 08-05-2017, 06:40 PM
 
15,546 posts, read 21,494,837 times
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Quote:
Originally Posted by Ariadne22 View Post
...Medgaps have "plans" A-N (with a few missing letters); Medicare has "parts" - like A, B, C, D. Advantage is Part C.

Isnt that what I said -- that "Medicare Plan C is actually Advantage? Or am I really confused?
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Old 08-05-2017, 06:41 PM
 
15,546 posts, read 21,494,837 times
Reputation: 22559
Quote:
Originally Posted by Ariadne22 View Post
...Medgaps have "plans" A-N (with a few missing letters); Medicare has "parts" - like A, B, C, D. Advantage is Part C.

Isnt that what I said -- that "Medicare Plan C is actually Advantage? Or am I really confused?

The OP said he was changing from Advantage to Plan C and I replied that I thought they were the same.
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Old 08-05-2017, 07:41 PM
 
Location: Wisconsin
23,546 posts, read 50,140,471 times
Reputation: 18196
Quote:
Originally Posted by TFW46 View Post
Isnt that what I said -- that "Medicare Plan C is actually Advantage? Or am I really confused?

The OP said he was changing from Advantage to Plan C and I replied that I thought they were the same.
You are confused. Notice the two words - Parts v. Plans. It matters.

Medicare has four PARTS:
Part A - Hospital - Original Medicare
Part B - Doctor, lab, outpatient, etc. - Original Medicare
Part C - Advantage - Medicare health/drug benefits delivered through a private insurer
Part D - Drugs - Original Medicare
Medigaps have PLANS which supplement Original Medicare.

https://www.medicare.gov/supplement-...e-medigap.html

OP wants to switch from Part C of Medicare (Advantage) back to Original Medicare which he will supplement with a Medigap Plan C.

Last edited by Ariadne22; 08-05-2017 at 07:56 PM..
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Old 08-05-2017, 08:14 PM
 
15,546 posts, read 21,494,837 times
Reputation: 22559
Thanks, Ariadne. I really am confused and will bone up on this. I appreciate your help.
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