Seniors can be denied a Medicap policy for pre-existing conditions

[wp169]

Originally Posted by CharlieAllnut

That would not be an issue.

If you move to an area where your Medicare Advantage Plan does not provide service, then you have a Guaranteed Issue Right to obtain a Medigap Plan.

“An insurance company:
Must sell you a Medigap policy
Must cover all your pre-existing health conditions
Can't charge you more for a Medigap policy because of past or present health problems”

Click on “What are Guaranteed Issue Rights” here:

https://www.medicare.gov/health-drug...p/ready-to-buy

Note that there is not a Guaranteed Issue Right to buy Plans M or N in this situation, but there is a Guaranteed Issue Right to buy the popular Plan G (and Plan G-HD).

Much to complicated, I'm not moving

[steiconi]

I've lived in 3 states and kept my medgap plan throughout. Mine covers everything, and is easy to deal with.

Advantage plans are often localized, so you lose them if you move.
That's one of the few ways you can switch from an Advantage plan to Medigap, though you can go the other way without restriction.

[moguldreamer]

Originally Posted by wp169

Correct.

Double correct.