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Fall open enrollment specifically targets those moving to Advantage for the first time.
Those already on Advantage - no matter if they signed up during fall open enrollment - are given another enrollment period between Jan-Mar each year - during which they can switch Advantage plans - or return to Original Medicare.
Quote:
Medicare Advantage Open Enrollment Period. From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time.
For those returning to Original Medicare, unless they are still within the six-month Medigap enrollment period or exercising their Trial Right (available to those 65 enrolling in Advantage for the first time), depending on their state, they may need to undergo health underwriting and could be denied or charged more for a new Medigap.
Medicare expanded these rules a few years ago.
Further, 5-Star Advantage plans can be joined virtually year-round. Which means those on Original Medicare/Medigap can move to a 5-Star Advantage plan at any time.
Quote:
If a Medicare Advantage Plan, Medicare drug plan, or Medicare Cost Plan with a 5-star rating is available in your area, you can use the 5-star Special Enrollment Period to switch from your current Medicare plan to a Medicare plan with a “5-star” quality rating. You can use this Special Enrollment Period only once between December 8 and November 30.
In my area, Aurora Quartz, Network Health - and unbelievably - UnitedHealthcare -- have 5-Star ratings.
I would never join a UHC Advantage plan. In a pinch, I would be OK with Aurora Quartz or Network Health - because both are very large, local medical service providers with top doctors and hospitals. CMS must have really relaxed its guidelines to give UHC five stars. No doubt, when Aurora Quartz entered our area, UHC put up a big stink. There is no way UHC warrants five-stars, unless they've done a 180 in their game-playing.
Last edited by Ariadne22; 02-14-2022 at 06:24 PM..
All those ads for all those months tell me one thing in particular......There's a lot of money to be had with all the deductibles, copays, premiums, denials, shareholders......
I’m still trying to figure out why someone would refer to Joe Namath as “Jersey Joe”, considering that he was raised in Western Pennsylvania, played college ball at Alabama, then played for the New York Jets when their home stadium was Shea Stadium in Queens, New York, and he has always been associated with New York City.
I’m still trying to figure out why someone would refer to Joe Namath as “Jersey Joe”, considering that he was raised in Western Pennsylvania, played college ball at Alabama, then played for the New York Jets when their home stadium was Shea Stadium in Queens, New York, and he has always been associated with New York City.
Broadway Joe - yep. Jersey Joe - nope, unless he’s getting into the sandwich shop biz.
Broadway Joe - yep. Jersey Joe - nope, unless he’s getting into the sandwich shop biz.
OK, my bad but Broadway Joe or Jersey Joe, the ads are still nauseating.
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but Broadway Joe or Jersey Joe, the ads are still nauseating.
