It is getting late. The deadline is Dec. 7.
Anything too good to be true still isn’t. Advantage is too good to be true. The incentive for Advantage is the same as an HMO, keep costs low, high co-pays and deny coverage or at least be niggardly in managing it. Make it a come-on with trinkets.
With Advantage; Medicare is handing over the annual premium to an insurance carrier and challenging them to provide coverage for less than they are getting from your Medicare premium. Good luck with that while still providing reputable coverage.
You can’t change each year without underwriting and as some have noted, you may be denied and so have to stick with the plan you started with. The annual open enrollment is a scam, it isn’t so, there is no “open” enrollment. It isn’t “open” if you have to go through underwriting and it isn’t “open” if you have a waiting period for pre-existing conditions if you are accepted after underwriting.
Consider this, the system was set up under obamacare. It is a scam and a trip through a filed littered with mines. You will have succeeded in navigating it if you are only slightly injured.
Open enrollment refers to changing from one Advantage plan to another. Most areas have many, competing.