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they had to wait for open enrollment the following year .
however ny is a state that requires no medical approval to swich . most states are not so lucky.
we pay more for that ability on all plans in our state
That's interesting that New York is a state that does not require medical approval to switch from Medicare Advantage back to Original Medicare, after the one year enrollment. Before, I heard once you go over a year on Medicare Advantage, then you have to medically qualify to switch back to Original Medicare. However, if your health declines, then you're stuck with Medicare Advantage, which can deny you coverage that you need.
Do you which states that allow switching back to Original Medicare, after the one year enrollment, without medical approval?
Another point of interest would be to know the rule details. For example, if a person switched from Original Medicare to Medicare Advantage, over a year since the switch, and their health declined, so that they no longer medically qualify to switch back to Original Medicare. Could that person move to New York, or a state that doesn't require the medical approval to switch back to Original Medicare, then switch back to Original Medicare, then move back to the state where they came from and remain on Original Medicare?
Or, could there be a stipulation in the rules that when you switched from Original Medicare to Medicare Advantage, that had to be done in a state that allows the switch back to Original Medicare, without medical approval.
If you could temporarily move from one state to another, perhaps that would be a way to circumvent the rules that force you to medically qualify to switch from Medicare Advantage back to Original Medicare, after the one year enrollment period, if you are unable to medically quality to switch back to Original Medicare. Then after switching back to Original Medicare in the open enrollment period, you could then move back to the state where you couldn't switch back to Original Medicare, because you couldn't medically qualify to make the switch.
That situation doesn't apply to me, since I'm on Original Medicare, plus a supplement. If I leave Original Medicare, and my former employer's supplement plan, I can never rejoin my former employers supplement plan. It would be good to know the details about those rules for people that are stuck in the situation, where they made a huge mistake switching to Medicare Advantage.
Do you which states that allow switching back to Original Medicare, after the one year enrollment, without medical approval?
good question above!
I'm always haunted by how when I retired at 62, Blue Cross Blue Shield turned me down for regular health insurance for merely controlled high blood pressure - controlled easily by medication - something which is very common and which millions of people in U.S. have - and also turned me down because I have osteoarthritis - something which is very common and which millions of Americans also have.
that was before ACA Obamacare which instituted and did not allow pre-existing conditions to cause rejection from coverage....
Last edited by matisse12; 11-21-2021 at 06:25 PM..
That's interesting that New York is a state that does not require medical approval to switch from Medicare Advantage back to Original Medicare, after the one year enrollment. Before, I heard once you go over a year on Medicare Advantage, then you have to medically qualify to switch back to Original Medicare. However, if your health declines, then you're stuck with Medicare Advantage, which can deny you coverage that you need.
Do you which states that allow switching back to Original Medicare, after the one year enrollment, without medical approval?
Another point of interest would be to know the rule details. For example, if a person switched from Original Medicare to Medicare Advantage, over a year since the switch, and their health declined, so that they no longer medically qualify to switch back to Original Medicare. Could that person move to New York, or a state that doesn't require the medical approval to switch back to Original Medicare, then switch back to Original Medicare, then move back to the state where they came from and remain on Original Medicare?
Or, could there be a stipulation in the rules that when you switched from Original Medicare to Medicare Advantage, that had to be done in a state that allows the switch back to Original Medicare, without medical approval.
If you could temporarily move from one state to another, perhaps that would be a way to circumvent the rules that force you to medically qualify to switch from Medicare Advantage back to Original Medicare, after the one year enrollment period, if you are unable to medically quality to switch back to Original Medicare. Then after switching back to Original Medicare in the open enrollment period, you could then move back to the state where you couldn't switch back to Original Medicare, because you couldn't medically qualify to make the switch.
That situation doesn't apply to me, since I'm on Original Medicare, plus a supplement. If I leave Original Medicare, and my former employer's supplement plan, I can never rejoin my former employers supplement plan. It would be good to know the details about those rules for people that are stuck in the situation, where they made a huge mistake switching to Medicare Advantage.
not only can we go from advantage to medicare in new york with no medical underwriting but we also are a community based state and get no age based increases either .
but we pay a lot more initially for that …when i picked my supplement a full F plan was 330 a month ..that is way more than other states .
but it is 6 years now and i have not seen an increase in our 91 dollar a month high deductible F plan which has been an incredible value for us saving us thousands a year in premium while giving us excellent protection as a safety net
Ok, George Foreman was on a SS (Advantage plan).
He advertised "you might be eligible for a plan with:
NO co-pays
NO premiums
And NO (something else I can't remember)
Do you REALLY think that a health care insurance company is going to give you a plan with NO premiums and NO co-pays??
We all know about health care costs, and they are rising. That's a given.
So do you REALLY think a health insurance company is going to give you a plan, basically reading as "FOR FREE"??!! (and not soak you elsewhere or deny you coverage for an expensive treatment?
Sure, some people might be able to do well with an advantage plan, but everyone will.
Also, should you move, will your advantage plan move with you?
My supplemental plan will, as of course my Medicare.
Ok, George Foreman was on a SS (Advantage plan).
He advertised "you might be eligible for a plan with:
NO co-pays
NO premiums
And NO (something else I can't remember)
Do you REALLY think that a health care insurance company is going to give you a plan with NO premiums and NO co-pays??
We all know about health care costs, and they are rising. That's a given.
So do you REALLY think a health insurance company is going to give you a plan, basically reading as "FOR FREE"??!! (and not soak you elsewhere or deny you coverage for an expensive treatment?
Sure, some people might be able to do well with anvery best treatment advantage plan, but everyone will.
Also, should you move, will your advantage plan move with you?
My supplemental plan will, as of course my Medicare.
Best to all struggling with this decision.
I have no premiums and no co pays. I have never been denied coverage. I got a stent and feel I got the very best care. They want me to go to my cardioligest to the point where I think it is unnecessary. I live in the LA area.
I have no premiums and no co pays. I have never been denied coverage. I got a stent and feel I got the very best care. They want me to go to my cardioligest to the point where I think it is unnecessary. I live in the LA area.
I'm glad you're happy. I hope it continues to work out for you.
I have no premiums and no co pays. I have never been denied coverage. I got a stent and feel I got the very best care. They want me to go to my cardioligest to the point where I think it is unnecessary. I live in the LA area.
Could you post the name of your plan? - if you wish to....
My medicare advantage plan is superb. It's thru my employer, State of AZ and it's a PPO. I don't need a PCP, but I did keep mine cause I like him. No referrals. I can go out of state or anywhere with their "passport" program. No drug deductible and everything I take is covered. I think MA plans are different in various states. My co pay for a specialist is $25 and for the PCP it's $15. It's a UHC plan and so far I love it.
I have no premiums and no co pays. I have never been denied coverage. I got a stent and feel I got the very best care. They want me to go to my cardioligest to the point where I think it is unnecessary. I live in the LA area.
Is your no cost plan based in income and/or zip code?
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