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In Switching to Original Medicare, Beware of Medigap Plan Refusals - KFF Health News
- People switching from Medicare Advantage to Original Medicare during open enrollment may face Medigap underwriting hurdles and possible coverage denial.
- A one-time six-month window after Medicare Part B enrollment allows sign-up for any Medigap plan without underwriting.
- Some states offer broader Medigap guarantees or different enrollment windows that can affect eligibility.
- Special enrollment periods exist if MA plans leave areas or access to providers changes, allowing switches with protections.
- SHIP counselors offer free, unbiased help to navigate Medigap options and underwriting rules.
- Underwriting rules vary by insurer, with some requiring health questionnaires or prescription drug checks.
- Medigap underwriting has tightened recently, affecting coverage decisions for many health conditions.
- There is extensive concern about plans leaving markets and limiting options for MA members.
- Experts warn that underwriting may deny coverage for numerous conditions, including serious illnesses.
- The article stresses the value of verifying options with SHIP and using Medigap comparison tools.
- The piece provides practical guidance for timing and enrollment during Medicare transitions.
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