PSA - If you enroll in Medicare Advantage, you could be stuck for life [View all]

[DemBlue76]

When you initially sign up for Medicare at 65, you take one of two routes. You can take either of these, with no health questions -

1) Medicare Advantage (PRIVATE insurance)

2) Original Medicare with a Medigap supplement (public insurance - far superior in providing care)

If choose 1)Medicare Advantage and decide later you want to switch to 2)Original Medicare with a Medigap supplement, you are subject to medical underwriting, meaning if you have developed a serious health condition you will likely be denied.

AFIB
Stroke
Cancer
Some types of diabetes
Multiple Sclerosis
Kidney disease
Rheumatoid Arthritis
Heart disease
Numerous others

There are many stories of people on Medicare Advantage developing serious health issues like these and finding their care inadequate. They want to switch back to Original Medicare with a Medigap supplement but are denied. They are quite possibly stuck for the rest of their lives.

Something to consider.