California Healthline November 9, 2021
Medicare’s annual open-enrollment season is here and millions of beneficiaries — prompted by a massive advertising campaign and aided by a detailed federal website — will choose a private Medicare Advantage plan.
But those who have instead opted for traditional Medicare face a critical decision about private insurance. Too often the import of that choice is not well communicated.
If beneficiaries decide to use traditional Medicare when they first join the program, they can pick a private supplemental plan — a Medigap plan — to help cover Medicare’s sizable deductibles and copayments for hospital stays, physician visits and other services.
But many people don’t realize that, in most states, beneficiaries have guaranteed access to a Medigap plan for only six...
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