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In reply to the discussion: The Medicare Advantage ripoff every American should know about [View all]Ms. Toad
(34,117 posts)You are entitled to return to Medicare. In most states you are NOT entitled to a supplement/medigap plan.
Guaranteed issue is only a federal right during your initial enrollment period. That means they can flat out refuse to issue you one at a later time. In that case, if you are moving to traditional Medicare because you are very sick - you may be worse off, since you're salary on traditional Medicare is 20%. 20% of a costly illness is more than must people can afford.
If they choose to issue you a policy, they can set the price based on your then current health status - so the premiums will be much higher than the community based premiums that you are entitled during your initial enrollment period.
States are allowed to give you more rights (like extending the guaranteed issue right to late enrollment, or prohibiting premiums based on your then current health). As a practical matter, most don't grant you additional rights.
I've only found one state where you are entitled to a late enrollment medigap policy at the same rate as those who started in traditional Medicare (Illinois), and even there you were only entitled to that option if you chose the right Medicare advantage plan when you initially enrolled.