Advantage plans let you switch every fall, no questions asked. Supplements do not. Nine in ten Advantage enrollees have no guaranteed right to buy one later. The 12-month trial right, the six-month window at 65, and the one thing Nevada has that Arizona does not.
There is exactly one window in your life when an insurance company cannot say no to you on a Medicare supplement. It is six months long, it happens once, and Medicare says plainly that it does not repeat. Almost nobody understands what they are giving up when it closes.
Missed Medicare's December 7th deadline? There's good news: additional opportunities exist depending on your coverage type.
Five years ago, I became eligible for Medicare. Having helped others navigate it for years, I thought I knew it all. But experiencing it firsthand gave me a whole new perspective.
Time to start thinking about the Medicare annual enrollment period and what changes you may need to make between October 15th and December 7th.
As Medigap premiums continue to rise, Medicare Advantage plans might be worth exploring—especially with the 12-month trial period available to first-time enrollees.