Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?

The answer to this is no for two reasons:

1. You cannot leave your advantage plan in the middle of the year. You can only change from advantage to Original Medicare during the Annual Election Period (October 15th-December 7th), Medicare Advantage Open Enrollment Period (January 1st - March 31st) or under special circumstances such as moving to a new service area.

2. In most states, you must be able to health qualify for a Medigap plan. This means that having a serious illness would likely disqualify you.If you are contemplating moving to Original Medicare with a Supplement, I would recommend speaking with an agent now instead of waiting. Trying to change your plan once you are sick will be too late.

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From the Blog:

Medicare Supplement (Medigap) Underwriting

You want to enroll in a new Medicare Supplement plan after being on a different Medicare plan for a few years.
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