What is the status of eligibility if a person got another Medicare Advantage plan after returning to Medigap?

When a person transitions from a Medicare Advantage plan back to a Medigap policy, their eligibility for certain Medigap plans, specifically those that are guaranteed issue rights under 12G, is affected. The 12G standard ensures that individuals have access to specific Medigap policies without being subjected to medical underwriting, facilitating coverage regardless of health conditions.

In this context, if a person chooses to enroll in another Medicare Advantage plan after having previously returned to Medigap, they lose the protections offered by the 12G guidelines. This means their eligibility for guaranteed issue rights associated with Medigap policies is forfeited, which can lead to potential challenges in obtaining a Medigap plan in the future, including being subject to underwriting and possible denial based on pre-existing conditions.

Maintaining awareness of these rules is crucial for individuals navigating Medicare options, as they directly impact the ability to secure health coverage when needed.