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Old 12-19-2015, 11:11 AM   #21
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are you saying that you can't change carriers during the open enrollment if you find a carrier with the same plan for less money?
Yes, you can - assuming you can pass the new company's medical underwriting. See here:
Medicare Supplement Underwriting Guidelines - What You Need to Know | Medicare-Supplement.us

The alternative to Medigap is a) nothing i.e., Traditional Medicare only, or b) Medicare Advantage Plans. With either there is no medical underwriting.
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Old 12-19-2015, 12:10 PM   #22
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Originally Posted by HadEnuff View Post
are you saying that you can't change carriers during the open enrollment if you find a carrier with the same plan for less money?
With Medigap (Medicare Supplements), there is no annual open enrollment at the federal level, only your initial enrollment period. You can change Medigaps anytime and as often as you wish as long as you pass medical underwriting.

Some states are GI (guaranteed issue) year round, like NY. Some states, like CA, have an annual period where you can move laterally (same plan letter with different company) or downgrade (choose a plan with fewer benefits).
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Old 12-19-2015, 01:14 PM   #23
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are you saying that you can't change carriers during the open enrollment if you find a carrier with the same plan for less money?
see Got a Dimple's great link above............for Medigap supplement (medigap) plans, you should choose w/ some thought during your initial enrollment period when you probably won't be subject to medical underwriting. After that initial period, you can change anytime (not only during open enrollment)......provided you can pass the medical underwriting exam for the plan you are trying to get.
There are some big events in that link that give you that guaranteed enrollment but under normal circumstances, don't assume you can change at will. There may also be applicable state laws in some states that give you some additional choices but again, they may not give you unlimited freedom to pick your plan.
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Old 12-19-2015, 02:06 PM   #24
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We pay $105/month each for Medicare and then the rest is covered by TriCare for Life. Prescriptions are usually $5-10 to fill or free if available at the military base.

It has come in real handy these past 6 years with 3 back and 2 rotator cuff surgeries.

Cheers!
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Old 12-19-2015, 03:46 PM   #25
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We are enrolled in part A and part B of Medicare which costs about $105/month each. Also are enrolled in Tricare Plus which grants DW and I access to a local Military Treatment Facility (MTF) and has no added fees or expenses that are payable, including drugs, deductable and copay. It has proven to be an excellent arrangement for us so far.
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