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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.

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

Thanks to you both!
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