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In reply to the discussion: Insurance giant's new ER policy called 'dangerous' by critics. [View all]JohnSJ
(92,195 posts)a given thing that they will be able to convert to a Medi-gap plan from an Advantage plan
When you switch from Medicare Advantage to Original Medicare, you lose your guaranteed-issue rights for Medigap.
You have guaranteed-issue rights for six months when you are 65 or older and enrolled in Medicare Part B. Guaranteed-issue rights ensure that you can buy any plan sold in your state, and that you wont be charged higher premiums based on your health status.
Without guaranteed-issue rights, your insurance company may require medical underwriting before it sells you a plan. During medical underwriting, the insurer looks at your past medical history and current health status. If the company determines the risk of covering you is too high, it can refuse to sell you the plan you want, or it may charge you much higher premiums for the coverage.