Switching from Medicare Advantage to Medigap
Leaving Medicare Advantage and returning to Original Medicare with a Medigap plan can significantly reduce long-term medical risk — but only if the timing and underwriting rules are handled correctly. May River Medicare Insurance explains everything upfront so you don’t make an irreversible mistake.
Many people assume they can move freely from Advantage to Medigap later. In reality, most switches are subject to medical underwriting unless you qualify for special protections.
A formal Medigap denial may be recorded by carriers and affect future applications. That’s why applying without guidance can permanently limit your options.
- No major hospitalizations in the past 24 months
- No oxygen use or mobility devices
- Stable medications
- Well-controlled chronic conditions
- ER visits without admission
- Diabetes with elevated A1C
- Recent medication changes
- Sleep apnea or inhaler use
- Ongoing oxygen use (even “as needed”)
- Recent heart attack or stroke
- Dialysis or advanced kidney disease
- Multiple hospital admissions
This score is educational — not a denial. May River Medicare reviews underwriting rules before any formal application to protect your future eligibility.
If you joined Medicare Advantage for the first time and are still within 12 months, you generally have the right to return to Original Medicare and buy certain Medigap plans without underwriting.
If your Advantage plan leaves your area or terminates, you may qualify for guaranteed Medigap enrollment depending on your state and timing.
Switch the Right Way — Without Risk
May River Medicare Insurance is a nationwide, independent Medicare agency. We show every option up front, explain underwriting before you apply, and help you switch safely — with no pressure and no surprises.