coming into Medicare can be very complicated and challenging for most people when you first start
to look into Medicare you find out there's a lot of stuff that you don't know that makes a
big difference in how you make your choices and a lot of people end up going in a Medicare Advantage
plan not really understanding exactly what they are and how they function and sometimes when they
find out that either their doctors aren't in the network or the out-of-pocket costs are too high
and they want to change they quickly find out that generally you're locked in to a Medicare Advantage
plan once you enroll you're pretty much locked in for a year before you could make any changes with
that Medicare Advantage plan so it's certainly a big thing to understand so I'm going to talk right
now about how to leave a Medicare Advantage plan and I'm Keith armbrecht I'm founder of Medicare
and video I help people across the country make the right Medicare choices I can apps absolutely
help you as well I'm going to show you right now how and when most importantly when you can leave
a Medicare Advantage plans but most people find out is Medicare Advantage is not quite everything
that's made out to be on all of the TV commercials on all the mailers that you get primarily people
that telemarket are selling Medicare Advantage plans and that's generally how people end up in
Medicare Advantage if somebody has contacted them and made all sorts of promises and how everything
is wonderful and then you can find out that it may not have the flexibility you need you may
not be able to go to the doctors that you want to go to or the hospitals that you want to go
to the out-of-pocket expense is much higher than it is on original Medicare with a supplement so
a lot of times people want to make a change and get back to original Medicare with a supplement
and it can be a little complicated so there are two different periods during the year where you
can either make changes with a Medicare Advantage plan go from one to another or you can leave a
Medicare Advantage plan and come back to original Medicare and generally get a Medicare Supplement
Plan that gives you a higher level of benefit so those periods of time are Medicare open enrollment
which runs from October 15th to December 7th so you need to make a choice during that period of
time and then it becomes effective on January 1st so that is the major change period for
Medicare Advantage also the time that you could leave Medicare Advantage go back to
original Medicare get a Medicare Supplement Plan and so forth the other period of time is called
the Medicare disenrollment period and it runs from January through March where you can leave
a Medicare Advantage plan during that period of time and I would think that they created that
disenrollment period for people that get pushed into Medicare Advantage during the
open enrollment period and then quickly find out that it's not where they want to be so
they gave a window to get out of the Medicare Advantage plan from January through March so
if you have found yourself in that position and you're looking to get back to original Medicare
these are the two periods of time that it can be done outside of that you're locked in you
don't have a choice to get out of your Medicare Advantage plan if you don't do it during either
open enrollment or the Medicare disenrollment period now that being said if you come back to
original Medicare you're most likely going to want a Medicare Supplement Plan to cover what original
Medicare does not and it and it absolutely is the best way to go it gives you a very high
level of benefit with very little out of pocket you can go to any doctor any Hospital anywhere
in the country that takes Medicare it just makes life easy which is really the way it should be
with health insurance so it's a little complex to do and it's not totally difficult but you do
need to qualify for medical underwriting in Most states there are a couple of states that do not
have medical underwriting so it makes it super easy to do it but in most States you do need
to get cleared through medical underwriting and medical underwriting is not complicated
it's just basically a list of questions and it's mostly major issues that you simply answer yes or
no to and if you know to all the questions you likely will have no problem getting a Medicare
Supplement Plan so it's mostly big stuff like cancer or Parkinson's or COPD things of that
nature and if you'd like to see a sample list like this I'll link it below the video you can
download it and look through it if you can answer note all the questions then likely it's going to
be pretty easy for you to get a Medicare Supplement Plan and if you would like to
do that and again it's not too difficult just go to my website medicareonvideo.com fill out
your basic information we'll send you a quote and generally what we're looking to do with a
Medicare Supplement Plan is find either a plan G or plan n that's pretty close to 100 bucks a
month and a lot of times it's less than 100 bucks a month but sometimes it's a little bit more but
not much but that is the goal is to get somewhere around 100 a month for the Medicare Supplement
Plan to make it affordable make it easy to use and just have the Comfort level to know you can go to
any doctor any hospital and you pretty much have full coverage so there's very little out of pocket
with a Medicare Supplement Plan I certainly have videos on best Medicare supplement plans and the
differences between G and n and all that stuff so just search my YouTube channel for any of
that information that you want and that'll help you understand exactly the differences between
Medicare Advantage and Medicare supplements so take a look at the of medical questions if you're
in reasonably good health fill out the form on my website we'll get you a quote we do all the work
so we just need to do it in time because it can be a little especially in open enrollment period
where it gets really crazy in the Medicare World it can take a couple of weeks to get approval
and the last thing we don't want to do is do not disenroll from a Medicare Advantage Plan before
you are approved for a Medicare Supplement Plan so we want to make sure we can get the coverage
in place and then we will disenroll and everything will take place either on January 1st if you're
doing it during the open enrollment period or the first of the next month if you're doing it in the
Medicare disenrollment period so those are the two periods of time to do it between October 15th
and December 7th for open enrollment or between January and the end of March for the Medicare and
disenrollment so making as easy as we possibly can hope you found this helpful hope we can help have
a fantastic day thank you for taking the time to watch my video I hope you found it very helpful
a couple of other things that you'll find very helpful is first download a copy of my free book
Medicare made clear I put a lot of time a lot of effort into this book you'll find it very helpful
for everything that you need for Medicare now and in the future it has videos in the book has
all the links that you need for signing up and everything else that you'll need going forward
so take just a minute go to medicareonvideo.com forward slash free book you can download it right
now and save it on your computer you'll have it for now and in the future and then down
the road when it's time to renew your Medicare Supplement Plan we always want to shop around
so every year it makes sense to do a Medicare price check and I have a website specific to that
www.medicarepricecheck.com where we will compare your current plan and see if we can get the same
plan at a lower price and a lot of times we can do that so it makes sense to visit
medicarepricecheck.com every year we'll do a quick comparison let you know if it makes sense and
then we take it from there hope you found all this helpful have a fantastic day hey don't go anywhere
these are some of my most recent videos right here you can also find the link right below this video
to download my book Medicare made clear absolutely free you can also subscribe to my channel right
here so please download my book watch some videos subscribe to the channel have a great day