Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
State regulations vary and State Insurance Commissioners are discussing this very issue currently in 2025. In some cases, due to illnesses or medications, a senior may never be able to return to a Medicare Supplement which requires Underwriting and some companies may require a physical exam at time of application. In most cases, the "Turning 65" or "leaving an MAPD/MA after 12 months of enrollment" may be the only time a senior with chronic illness or prescriptions will have guaranteed issue Medicare Supplement enrollment entitlement.
Answered by Christopher Boyd on March 4, 2025
Agent Licensed in IN, KY, MI, OH, PA & TN
If you are attempting to make this move during the Annual Enrollment Period, you will STILL HAVE TO ANSWER HEALTH QUESTIONS….and if you do not answer them to the carrier’s liking, they will decline you.
Answered by John Billetdoux on February 11, 2025
Broker Licensed in NJ, DE, FL, NC, PA & SC
