Last minute Medicare Open Enrollment questions

[Abnredleg]

1. When You Turn 65 You Get an New Initial Enrollment Period

And should be able to get a supplement plan without underwriting - I would make a quick call to the insurance company to confirm. (Quick note: Part C refers to Advantage plans. Supplements are technically not part of Medicare but rather an option so don’t have a Part# identifier.)

As to switching back to Original Medicare from an Advantage plan, you can do it but the issue will be medical underwriting for the supplement. They don’t have to approve a supplement past the initial enrollment period, and if you have an expensive medical condition they can deny you. There is no limit on out of pocket expenses in Original Medicare so you have to have a supplement.

The states have slightly different rules so I suggest you call your local SHIP program, who can give you expert advice.

https://www.shiphelp.org/