First of all, it is important to know that there are no Medicare Supplement Plans that work with the Medicare Advantage Plus. If you have Medicare Advantage Plus, commonly known as Medicare Part C, then the benefits that you pay for cannot be utilized under your current plan. This means that even if you have an active Mutual of Omaha Medicare Supplement, you cannot take advantage of any of the services that come along with it as your advantage plan overwrites them. The best course of action to take once you switch from a Medicare Original Plan, Medicare Part A, and Part B, is to drop your Medicare Supplement Plan as you only end up incurring extra costs whose returns you cannot utilize.
It is thus a rather tricky business swathing from your original Medicare plan to the advantage plus plan. This is because if there ever comes a time when you need to switch back, then there no assurance that you will get back the same exact supplement plan that went along with it. This risk taken is even greater for patients with pre-existing conditions whose “guaranteed-issue rights” period is over.
However, there is a silver lining to this cloud that comes in the form of “Trial Rights”. These are rights that allow you a one-year trial period. In this period, you can join a Medicare Advantage Plus on trial basis if it is your first time. As a first-timer, you are allowed something of a test-drive for the plan for a period of 12 months. If by any chance you are not pleased with the plan, then you have the option to switch back to your Original Medicare Plan. You will also have the alternative to apply for the Medicare Supplement Plan that you had before switching to the Medicare Advantage Plus Plan. The success of this application is however hinged to whether or not your insurance company still offers the same supplement plan.
In some instances, your previous Medicare Supplement Plan may not be available anymore, in such a situation, the trial rights accord you the ability to apply for other plans. Plan A, B, C, F, K, and L are all available for selection at your discretion depending on which state you are in. You may be intending to drop your policy, but at the same time are looking to avoid a break in coverage. Your Medigap policy can kick in immediately the other ends if you apply for it 60 days prior to the end date of your Medicare Advantage Plus policy. You should also ensure that you apply for a Medigap policy no later than 63 days after your Medicare Advantage Policy has ended. This allows you to take advantage of your trial rights and avoid being denied your original policy.
If your Medicare Advantage Plus leaves Medicare, or your insurance company goes bankrupt, or the Medicare Advantage Plus plan terminates the rendering of services in your area, then you can buy a Medicare Supplement Plan A, B, C, D, F, K or L depending on which ones are offered in your state. Always remember that the only way you can get a Medigap plan is by first switching back to your Original Medicare Policy.