Many people fall for the glowing Medicare Advantage ads. They want “all of their benefits.” But there is a dark truth: Medicare Advantage works best for healthy seniors.
A report on the subject from NPR: Older Americans say they feel trapped in Medicare Advantage plans is an eye-opener. Note it IS possible to transfer back to traditional Medicare. But first, here’s the link to the NPR report: Go here.
So what can YOU do if your plan is unsatisfactory? You may have until March 31st of the year to switch to traditional Medicare. Note, that you might have difficulty in getting a Medicare – Medigap supplemental policy due to a preexisting condition. So, the advice is to check out your availability of an affordable Medigap policy before you switch to traditional Medicare. Here’s the low-down on how to do it and what to know: How and when can I switch from Medicare Advantage to traditional Medicare?, from KFF.
You should not need an attorney to complete this process, but if for any reason you do feel the need to talk to a good elder law attorney, give us a call (248) 356-3500, please leave a message and Dawn will get back to you and we’ll work out a good referral -anywhere in the country- for you.