1 min read
22 Jun

Yikes... talk about a Medicare double whammy rule... A Trial Right could be an extra window of guaranteed insurability if you know about it and there is more than one way to qualify...

 If you drop a Medigap policy to join a Medicare Advantage plan or switch to a Medicare Select policy for the first time and you have been on that plan for less than a year, you may be able to switch back. You get the right in this case to go back to the same insurance company you had before if they still sell it to get the plan you had before. If that company no longer sells it in your state, you can buy any plan that is sold by any insurance company in your state. You have to do this 60 days before your coverage will end or no later than 63 days after your coverage ends. 

The most common way you can actually gain a "trial right" is if you join a Medicare Advantage Plan or PACE when you are first eligible for part A at age 65 and before your first year ends, you decide you need or want to switch back to original Medicare. Under this right you can buy any Medicare Supplement or Medigap policy sold in your state. You need to apply 60 days before or no more than 63 days after. This can be kinda tricky and not everyone is eligible (for example if you already had Medicare prior to age 65) A trial right could be the exact thing you need to get the care and coverage you deserve. Questions? 









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