Advantage (”C”) to “G” requires medical underwriting (heath Q’s, medical records, etc.) and usually people wait until they have a “major medical event” (cancer, heart attack, stroke) to find out that their low/no cost “Advantage” plan has co-pays that add up fast in a major med. event, “in-network” specialist/doctor issues, insurance co. “prior authorization” issues, etc.. Then it is too late because they can’t “pass” the medical underwriting with them having a major med. condition.
“G” to “C” is allowed w/o any medical underwriting.
A few good YouTube Medicare plan info. resources:
https://www.youtube.com/@MedicareSchool/featured
https://www.youtube.com/@AbtInsuranceAgency
https://www.youtube.com/@Theretirementnerds/videos
https://www.youtube.com/@ChristopherWestfall
Yes...I know this.
Now ... what if someone with SAME, exact underlying condition wants to move from G to C (Advantage)? Not that anyone would/should.
Same underwriting requirements and scrutiny? I doubt it :-) Come right in to Single Payer!
>>> The ‘Advantage’ Plan has co-pays that add up fast in a major med event <<< ... is exactly what friends of ours have warned about and, hopefully, others here, take heed.