Medigap Rights and Medicare Advantage Plans

Jory Cross by Jory Cross | Licensed since 2012

This article was updated on: 09/16/2018

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In some situations, you may have certain rights to enroll in a Medicare Supplement (Medigap) plan. Typically, outside of your Medigap Open Enrollment Period, insurance companies can deny you coverage or charge you higher premiums if you have health issues.

One situation where you may have Medigap protections is if you drop your Medigap policy to enroll in a Medicare Advantage plan for the first time. If you change your mind within the first 12 months, you have a trial right that lets you disenroll from the Medicare Advantage plan and switch back to the Medigap plan you had previously, if it’s still being sold. This means that during the first year that you have coverage through your Medicare Advantage plan, you can change back to Original Medicare, Part A and Part B, and get your Medicare Supplement plan back (if it’s still available). If your original Medigap plan isn’t available, you can use your trial right to enroll in any Medigap Plan A, B, C, F, K, or L that’s sold in your state.

This is a huge benefit that most people don’t know about.

Medicare Advantage plans typically have a much lower monthly premium than a Medicare Supplement plan.  Having this 12-month trial period allows you to try the benefits of a Medicare Advantage plan for which you may save money on monthly premium costs. If during the first year your coverage needs to be changed, or you decide that you want to return to Original Medicare and your previous Medicare Supplement coverage, the 12-month trial period lets you do it.

Many beneficiaries have taken advantage of this 12-month trial period. For people who are in good health and have an average number of doctor visits, this might be a great way to go.

If you choose to go back to your previous Medicare Supplement coverage within your trial period, and the plan you had is no longer available, you may join another Medicare Supplement plan without going through medical underwriting or passing a health review.

Would you like to talk about your Medicare plan options? Think a Medicare Advantage plan may be a better fit for you than Original Medicare, Part A and Part B, combined with a Medicare Supplement plan? I can help you figure that out by reviewing your costs under each Medicare plan option, and help you determine the best course of action. If you’d like to get in touch with me, you can do so in the following ways:

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  • If you want to shop plans available in your service area on your own, use the Compare Plans button on this page.

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