Mitch Jackson

If you don’t lock in Original Medicare + a Medigap supplement during your one-time 6-month window when you first become eligible, you may never be able to get it later. Choose Medicare Advantage instead and, in most states, Medigap insurers can reject you for preexisting conditions (or ones you develop) if you try to switch back. Seniors I talk to almost universally don’t understand this and are enticed into Medicare Advantage plans with lower monthly premium sales pitch. They also don’t realize Advantage plans typically have higher medical copays than Original Medicare + Medigap Plan G. MA plans also apply much tighter management (prior auth + step therapy) to Part B drugs like chemo and infusions.