Switching from Medicare Advantage to Medigap
Moving from Medicare Advantage back to Original Medicare with a Medigap plan can dramatically change your costs and provider access. May River Medicare Insurance explains underwriting rules clearly so you know exactly when switching is possible — and when it’s not.
Outside of protected enrollment windows, Medigap carriers can review your health history and decide whether to accept or decline your application.
Being on Medicare Advantage for years does not guarantee future access to Medigap without underwriting.
| Scenario | Underwriting? | What You Can Buy |
|---|---|---|
| Trial Right (first 12 months on Advantage) | No | Any Medigap plan sold in your state |
| Plan leaves service area | No | Medigap A, B, D, G, K, or L |
| Medicare Advantage plan terminates | No | Certain Medigap plans (varies by state) |
| Moving out of plan network | No | Protected Medigap options |
- Outside trial right window
- Switching voluntarily after years on Advantage
- No qualifying SEP or GI event
- Recent heart attack or stroke
- Advanced COPD or oxygen use
- End-stage renal disease
- Uncontrolled diabetes complications
The safest time to leave Advantage for Medigap is during a guaranteed issue event or within your trial right window.
We review carrier underwriting guidelines first so you don’t risk a formal decline on your record.
See If You Can Switch Without Risk
May River Medicare Insurance reviews your situation confidentially and shows whether you qualify for guaranteed Medigap enrollment — or which carriers are most likely to approve you.