What happens if you dis-enroll from Medicare Advantage within 12 months?

• A. You cannot get Med Supp
• B. You are guaranteed acceptance into Med Supp
• C. You may face penalties
• D. You must wait for the next enrollment period

Answer: (B)

When an individual dis-enrolls from a Medicare Advantage plan within the first 12 months, they are typically given a guaranteed issue right to obtain a Medicare Supplement (Medigap) policy. This means that insurance companies selling Medigap policies must accept the applicant regardless of any pre-existing conditions and cannot charge higher premiums based on health status. This provision is designed to ensure that individuals have access to supplemental insurance coverage shortly after leaving a Medicare Advantage plan.

In this context, individuals benefit from having this guaranteed acceptance option, therefore facilitating a smoother transition to obtaining necessary healthcare coverage without the worry of denials or increased costs associated with their health history. This feature is particularly important for those who may not have had the option to enroll in Medigap at other times due to health concerns.