Switching Medicare Plans

Yes you can switch from a Medicare Advantage plan to a Georgia Medicare supplement plan and have "guaranteed issue" rights. To bypass medical underwriting certain guidelines must be met as required by Medicare.

GA Medigap Guaranteed Issue Rights

If you have a Medicare Advantage plan you may switch to original Medicare and a Medicare supplement plan while maintaining your GUARANTEED ISSUE RIGHTS provided you do during your trial period. These rights prohibit a Medigap company from denying coverage and require the carrier to issue a policy without regard to your existing medical conditions.

You cannot be denied a policy or charged a higher premium due to existing medical conditions.

Medigap Guaranteed Issue Situations

The following situations trigger a guaranteed issue time frame for changing from a Medicare Advantage to a Medicare supplement plans.

  • Your existing Advantage carrier withdraws from the market (must apply for new coverage within 123 days)
  • You move out of the service area for your Medicare Advantage plan (must apply for new coverage within 63 days)
  • You lose employer group coverage (including retiree or COBRA) that is secondary to Medicare (must apply within 63 days)
  • You applied for an Advantage plan when first eligible for Medicare Part A and opted to switch during your initial trial period (first 12 months)
  • You dropped a Medigap plan to enter an Advantage plan for the FIRST TIME and want to switch back within the first 12 months of your trial period
  • Your Medigap goes out of business or you lose coverage through no fault of your own
  • You leave an Advantage plan because the company misled you about your coverage

If you want to buy a Medicare supplement plan during your guaranteed issuee period, carriers cannot refuse coverage, or charge a higher premium based on your health. If you buy a supplement plan and you are not covered under the guaranteed issue rules, the carrier may deny coverage or charge you a higher than standard rate.

You may change to a Medicare supplement plan or buy new coverage at any age provided you are in good health. Otherwise you may need to apply during one of the guaranteed issue periods.

Georgia Insurance Shop offers affordable Medicare supplement plans for Georgia seniors.

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