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URL:  https://boards.fool.com/tele-when-you-say-39you-can-switch-between-34766823.aspx

Subject:  Re: Medigap Plan Choice/Changing Date:  3/2/2021  7:12 AM
Author:  jerry5453 Number:  22626 of 22893

tele -
When you say 'You can switch between providers .... with no problems"
What do you base that on?
I know in theory you can change, but you go through underwriting which
means to me that you're at the mercy of the insurance Co. to say
yes/no and give you whatever rate schedule they want.

My searching high and wide for some data on who takes HDF/HDG and then
attempts to switch to G or N and is either denied or gouged doesn't seem to
be answerable. The SHIP and provider agents I've talked to don't know.
The insurance Co's surely do.

I found this 2018 article which highlights my concern.
It even has a list of ailments that could make switching Medigap plans impossible.

https://www.kff.org/medicare/issue-brief/medigap-enrollment-...


GWP -
Yeah, my state doesn't guarantee switching, I really really wish it did.


Thanks to you both!
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