Welcome to DU! The truly grassroots left-of-center political community where regular people, not algorithms, drive the discussions and set the standards. Join the community: Create a free account Support DU (and get rid of ads!): Become a Star Member Latest Breaking News Editorials & Other Articles General Discussion The DU Lounge All Forums Issue Forums Culture Forums Alliance Forums Region Forums Support Forums Help & Search

Health

Freddie

(10,037 posts)

14. Unfortunately you are correct

Reply to whathehell (Reply #12)

Mon Dec 8, 2025, 01:37 PM

Dec 8

From what I read, if you don’t get a supplement at the same time as you go on Medicare or go off an employer plan, you’re SOL and can be subject to underwriting. Same if you try to switch from an Advantage plan to traditional with a supplement. This can vary by state. This little caveat should be way better known!

Edit history

Please sign in to view edit histories.

Recommendations

3 members have recommended this reply (displayed in chronological order):

questionseverything SCantiGOP whathehell

21 replies

= new reply since forum marked as read

Highlight:

Was looking to get a supplement insurance plan to cover the 20% [View all] KS Toronado Dec 8 OP

Do you have a Medicare Advantage plan now? Freddie Dec 8 #1

No those advantage plans are a rip off KS Toronado Dec 8 #3

Good Freddie Dec 8 #5

i use traditional "real" medicare rampartd Dec 8 #9

I have basic Medicare Jilly_in_VA Dec 8 #2

That 20% they don't pay is eating me alive KS Toronado Dec 8 #6

Same here I don't even have prescription drugs Walleye Dec 8 #8

I have traditional with an AARP supplement Freddie Dec 8 #4

I think the supplemental is called Medigap bucolic_frolic Dec 8 #7

Try Farm Bureau Health & call your senior center & council on aging! SheltieLover Dec 8 #10

FWIW....I recently learned that all medical billing is negotiable. anciano Dec 8 #11

I asked my husband, who knows quite a bit about whathehell Dec 8 #12

Unfortunately you are correct Freddie Dec 8 #14

I got 'put on' MA when I first contacted someone to come explain the differences slightlv Dec 8 #13

Don't kill the messenger Lulu KC Dec 8 #15

Oh--but not if you're young enough! Lulu KC Dec 8 #19

check this out Nigrum Cattus Dec 8 #16

I have Plan "N" supplement here in Maryland wolfie001 Dec 8 #17

If one turned 65 within the last year the rules are different IbogaProject Dec 8 #18

I got caught by that pre-existing conditions thing, too, the first time I applied for a Medicare supplement ShazzieB Dec 9 #20

Are you referring to the *Medigap* Open Enrollment Period or the *Medicare* Open Enrollment Period? sl8 Dec 9 #21