General Discussion

https://www.medicare.gov/plan-compare/#/?year=2026&lang=en


It was that way when I first shopped for Medicare back in 2016 or thereabouts, so it's not a Krasnov thing.

That Medicare Advantage is not Medicare or not affiliated with Medicare is an ideological statement, not fact.



Sorry, never was true.

Just to be clear, I think Advantage sucks (from what I read, I've never been on it) - too many denials, pre-approval requirements, must stick to networks, and if the anasthesiest or physician assistant, for example, is not in the network (even if the hospital and surgeon are), then one has to pay those out-of-network peoples' bills.

Here's some info on how one can still get a Supplement plan after being on Advantage without medical underwriting (the one year thing)

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https://cahealthadvocates.org/medicare-advantage/when-you-have-guaranteed-issue-rights-to-switch-from-a-medicare-advantage-plan-to-a-medigap-policy

When You Have Guaranteed-Issue Rights to Switch from a Medicare Advantage Plan to a Medigap Policy

If you are in a Medicare Advantage (MA) plan, you have guaranteed-issue rights to buy a Medigap policy in certain situations. These rights require private insurers to sell you a policy without a health screening. You cannot be denied a policy or charged a higher premium due to your current health or history.

You have guaranteed-issue rights to a Medigap policy when:

Your Medicare Advantage (MA) plan terminates coverage. In this case, you can return to Original fee-for-service Medicare with Medigap, but you must apply within 123 days of the end of your MA plan benefits.

You move outside your MA plan service area. You must apply within 63 days of moving.

You joined an MA plan when you first became eligible for Medicare and want to switch to a Medigap policy during your first 12 months in the MA plan. This is your Medicare Trial Period #1.

You switch from a Medigap policy to an MA plan for the first time since becoming eligible for Medicare, and you disenroll from the MA plan within the first 12 months. This is your Medicare Trial Period #2.