Once you are living in that state, the state rules apply.

@@AbtInsuranceAgency So if you move you may have a gap period with no insurance?

Thanks for all this great feedback!

You're very welcome ☺️

Glad it was helpful!

I understand both Medicare Advantage and Original Medicare is 80% coverage. I understand only original Medicare allows a Medigap policy. I understand those perks and prescription plans with Medicare Advantage are not really free. Do the math.

​@@anitamartins4102 I think MA insurers recoup the "fee" expenses (losses) by tacking on those losses with the annual out of pocket amounts. Is that correct?

You are so welcome!

@@AbtInsuranceAgency this info is so vital and you make is so understandable. I'm so grateful!

You can change! Call us 😁 888-465-9728

There is NO medical underwriting for Medigap plans when you are turning 65/new to Medicare Part B! And your plan stays with you, even when you move. You never have to change it.

Call or email us for a review! 888-465-9728 or stephanie@abtinsuranceagency.com

You can keep your same exact plan G! You can also change plans if you’d like, pending underwriting. You will need to change your Part D rx plan within 60 days of your move.

Call or email us! 888-465-9728

I understand both Medicare Advantage and Original Medicare is 80% coverage. I understand only original Medicare allows a Medigap policy. I understand those perks and prescription plans with Medicare Advantage are not really free. Do the math.

Most people who are getting a subsidy to buy their employer/retiree plan will choose to keep that. BUT it is not the same as a Plan G in that you can’t use the birthday rule, etc. it is an employer/retiree plan which falls into a different category.

@@AbtInsuranceAgency Thanks so much for the response! Have you done (or would you do), a video explaining how these employer/retiree plans are a different category? My biggest fear is getting locked into something that I regret.

@@philshock3805 good idea for a future video!

Yes, we can help! You will have generally 63 days from the loss of employer coverage to choose an Advantage Plan, or up to 3 months after her Part B start date. Call us when the time comes - 888-465-9728.

In Washington you can change to any plan except Plan A, so yes!

You can look at stand alone dental and vision options, or a Medicare Advantage plan that includes these benefits. The best option for *you* will be based on several other factors!

Yes, she gets a new "open enrollment period" for Medicare Supplement plans when she turns 65! It generally lasts up to 65 months from the month she turns 65.

Awesome. Thanks!@@AbtInsuranceAgency

@@AbtInsuranceAgency I think that 65 months was a typo.

In most states, no.

@AbtInsuranceAgency By any chance, is Florida one of those "no" states. Your reply is greatly appreciated. Thanks for your work explaining the intricacies of the Medicare Program.

Yes, I included that in this video.

@@AbtInsuranceAgency Well, this is good to know! our MofO g plans are going up a lot this time. I was thinking of N, with MofO or possibly UHC. But would have been tripped up, for one of us, by the underwriting thing probably. Here is the whole text: OAC 365:10-5-129(f) Amendments to Oklahoma Administrative Code (“OAC”) 365:10-5-129(f) create new enrollment opportunities for Medicare supplement policyholders. The regulation requires Medicare supplement issuers to provide new supplement policies with the same or lesser benefits to current Medicare supplement policyholders-regardless of current issuer-who have had no gap in coverage greater than ninety (90) days since initial enrollment. Medicare supplement issuers that provide these policyholders a sixty (60) calendar day “open enrollment” period beginning on the policyholder’s birthday each year, shall be deemed in compliance with this rule. Previously, these policyholders have had no opportunity after initial enrollment to move to any other Medicare supplement policies or issuers, trapping the policyholders in policies with rising premium costs and no opportunity to search for lower premium rates. Issuers offering a new (i.e., succeeding) supplement policy shall waive medical underwriting or preexisting exclusions if the new supplement policy offers the same or lesser benefits. Issuers of the current (i.e., prior) policy are required to furnish a statement of benefits or other pertinent information sufficient to permit verification of benefit determination to any new issuer upon request.

If you decide to voluntarily leave this coverage, then you may be eligible to purchase a Medigap plan without underwriting, it depends on your state. If your coverage was cancelled involuntarily then you can always purchase a Medigap plan without medical underwriting. I hope that helps!

@AbtInsuranceAgency. I live in Ohio. Does the FEHB program give a person a one-time option to drop FEHB and switch to a Medigap policy without underwriting?

Were you new to Medicare in August when your Advantage Plan started?

Yes new

? Yes new to Medicare, can I enroll into Medicare supplement later without underwriting?

@@Rooster_Crows you should be able to utilize your trial right to drop your Advantage plan and get a Medigap plan without underwriting. Please call us at 888-465-9728

I just started this advantage Plan could I stay on it until next year around August then I will decide switching because I get full retirement from SS.

I live in Texas

Yes! Call us at 888-465-9728

Getting supplemental plan when you’re healthy protects you from losing everything when you get a serious illness. Just because you’re healthy now, doesn’t mean you’re going to stay that way. I know so many healthy people that got hit with an illness and have very high medical bills they have to pay. A good supplement plan pays for everything. It all depends on the gamble you want to take. You insure for the future, not the present.

@johnurban7333 Spot on. 🎯

What snotty comment did I make? I love answering questions here, so I would hate to come across as rude. Doctors and hospitals cannot provide Medicare supplement insurance, but independent agents like us can.

I cannot imagine her being rude.