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Medicare's little secrets

Here is the Medicare Secret:

CAN I GO BACK TO A MEDICARE SUPPLEMENT IF I DON'T LIKE MY ADVANTAGE?

The answer is YES!!!! And guess what you get Guarantee Issue which means no health questions. So if you have health problems and you have changed from a Medicare supplement to a Medicare Advantage plan you have ONLY 1 year not 2 or 3 and can go back to a Medicare supplement and not have to go thru underwriting….this is huge!!

2013 Medicare & You handbook page 67:

If you join a Medicare Advantage Plan for the first time, and

you aren't happy with the plan, you'll have special rights to buy

a Medigap policy if you return to Original Medicare within 12

months of joining.

- If you had a Medigap policy before you joined, you may

be able to get the same policy back if the company still

sells it. If it isn't available, you can buy another Medigap policy.

- If you joined a Medicare Advantage Plan when you were

first eligible for Medicare, you can choose from any Medigap policy.

- The Medigap policy can no longer have prescription drug

coverage even if you had it before, but you may be able to

join a Medicare Prescription Drug Plan.

***You will want to enroll in a Part D prescription Drug plan***

THOSE ON MEDICARE DO HAVE SOME PROTECTIONS THAT THEY DO NOT KNOW ABOUT!!