Forum Discussion

was_butnotnow's avatar
Oct 21, 2016

Medicare Supplement Medigap in South Datoka

I have had an AARPUnitedHealthCare Medigap policy for a few years and found out this next year this plan is not offered in SD anymore. I thought they were dropping my coverage. I freaked out until I did more research. But did find out they can not drop you once you have the policy. So I am still good to go. If you go to medicare.gov make sure you DO NOT just click on the first link. (Find Health & drug plans) It will show NO national policies. But go up above and select (Supplements & Other Insurance) and then click find a Medigap policy. You will find several Medigap plans for SD.
  • Hmmmmm. We got our renewal info for our AARP United Health Care supplement plan from South Dakota. A slight increase as we have every year, but still a good value for us.

    Not sure what you experienced. Ours is a plan F though, and you indicate you had the Advantage plan. Perhaps that's the difference.

    Dale
  • Yes, per the Scottiemom post - perhaps you didn't mean to type "advantage"?

    Because Medicare Advantage plans are completely different coverage from Supplemental policies, and cannot be combined. If you choose Advantage, it replaces traditional Medicare and often includes drug coverage. You can drop it any year during open season and go back to traditional Medicare or a different Advantage insurer.

    "Medigap" supplemental insurance coverage is available when you become eligible for Medicare and they have to take you by law at that point. State laws vary, but they may not necessarily offer you coverage later. It "supplements" traditional Medicare - I have Plan F, and never pay deductibles, for example. People with Supplemental typically buy a Part D drug plan as well.
  • Did miss print to say Advantage So do have Sup plan F and good to go. The main point is AARP does not offer new policies in SD for Medigap Sup plans anymore but several others are still offering Sup plans so not to worry.