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Medicare wouldn't let you into a plain medicare with a with a medigap plan? I'm just starting to look into this, so pardon my ignorance.
I recently became eligible for Medicare. I choose regular Medicare along with a Medicare supplement (Mutual of Omaha - Plan N) as well as a Part D plan through Wellcare. As long as you get a Medicare supplement when you first become eligible for Medicare, they cannot deny you. My hesitancy with a Medicare Advantage plan is you are limited as to the network of doctor's you can see, plus it pretty much rules out traveling since most of your doctors are located geographically close to where you live. Also, once on Medicare Advantage, if you decide to switch back to regular Medicare, you would have to provide proof of insurability in order to get a Medicare supplement policy. I worked with Boomer Benefits and they were great at assisting me find the best Medicare supplement (costs me $81.92 per month for Mutual of Omaha Plan N and Part D drug plan through Wellcare (no premium in 2025.) Obviously, I am also paying the Medicare Part B premium of $185.00 per month which is deducted out of my Social Security check. Mutual of Omaha gives a discount if you have another family member in the household that is age 60 or older. I guess they figure they will end up going through the same carrier as the spouse when the time comes.
Medicare wouldn't let you into a plain medicare with a with a medigap plan? I'm just starting to look into this, so pardon my ignorance.
I recently became eligible for Medicare. I chose regular Medicare along with a Medicare supplement (Mutual of Omaha - Plan N) as well as a Part D plan through Wellcare. As long as you get a Medicare supplement when you first become eligible for Medicare, they cannot deny you. My hesitancy with a Medicare Advantage plan is you are limited as to the network of doctor's you can see, plus it pretty much rules out traveling since most of your doctors are located geographically close to where you live. Also, once on Medicare Advantage, if you decide to switch back to regular Medicare, you would have to provide proof of insurability in order to get a Medicare supplement policy. I worked with Boomer Benefits and they were great at assisting me find the best Medicare supplement (costs me $81.92 per month for Mutual of Omaha Plan N and Part D drug plan through Wellcare (no premium in 2025.) Obviously, I am also paying the Medicare Part B premium of $185.00 per month which is deducted out of my Social Security check. Mutual of Omaha gives a discount if you have another family member in the household that is age 60 or older. I guess they figure they will end up going through the same carrier as the spouse when the time comes.