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Author: TwoCybers Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 19026  
Subject: Re: plan 2_MedC Date: 11/17/2011 8:54 AM
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If by Medicare C, you mean a Medicare Advantage Plan, you will need to both examine the specific plan (i.e. Plan ABC by Insurance company XYZ) and provider. The insurance companies refuse to admit it, but when all is said and done, Advantage plans are just HMOs with a different name.

With all your looking to save a buck, I suggest you be very careful that you can get out whatever you end up with. We are responsible for a person who did just the kind of thing you appear to be attempting. She got into an HMO and all was fine until she had a stroke. She was still limited to a list of providers - it just happened the physicians in her nursing home did not belong to the HMO in question.

There are restrictions. You are not guaranteed the right to Medicare Supplements generally if you return to Medicare Part B. I just went through the process of changing from a Supplement Plan C to another with the same insurance company. I did have to get past two sets of existing condition issues. In addition to medical issues, I had to pass life style issues -- Questions like have you used tobacco or illegal drugs in the last 5 years. Has any physician told to checkin to a hospital, drug treatment facility, etc. even if you did not check in. Finally in the application you authorize the insurance company to ask any physician who has treated you.

In case you are not aware, insurance companies do share your treatment and prescription information - that is just one way to catch people providing inaccurate answers to questions.

Gordon
Atlanta
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