True, but the issue is that medical underwriting is allowed on Medigap (Part B supplemental plans). So, once you are on a Medicare Advantage Plan, you basically cannot effectively go back, due to being unable to obtain a Medigap plan (covering the 20% that part B does not cover), due to having pre-existing condtion(s). The financial consequences of not having a Medigap plan are quite severe for somebody who has a rare disease, if you know what I mean.
As you know, it is a loophole in the ACA. Because I was declared disabled before age 22 ("disabled adult child"), there is a way for me to get Medicaid, for life, effectively, through the Ticket-to-Work program, via the PASS (Plan to achieve self support). Even if I "make to much money to stay on Medicaid", at some point, the Pickle Amendment allows me to stay on it for life, due to the age I was declared disabled at.
But, there are issues with that too, since it is a form of "welfare". You can end up having to pay back the US government hardcore overall. You also get punished for being on Medicaid. For example, some states only allow you to have 4 medications covered by Medicaid. After the 4th active prescription, a type of "prior authorization" is sent to each and every doctor--for some government bureaucrat to make an arbitrary decision whether this medication is being "worthy of coverage".
True, but the issue is that medical underwriting is allowed on Medigap (Part B supplemental plans). So, once you are on a Medicare Advantage Plan, you basically cannot effectively go back, due to being unable to obtain a Medigap plan (covering the 20% that part B does not cover), due to having pre-existing condtion(s). The financial consequences of not having a Medigap plan are quite severe for somebody who has a rare disease, if you know what I mean.
As you know, it is a loophole in the ACA. Because I was declared disabled before age 22 ("disabled adult child"), there is a way for me to get Medicaid, for life, effectively, through the Ticket-to-Work program, via the PASS (Plan to achieve self support). Even if I "make to much money to stay on Medicaid", at some point, the Pickle Amendment allows me to stay on it for life, due to the age I was declared disabled at.
But, there are issues with that too, since it is a form of "welfare". You can end up having to pay back the US government hardcore overall. You also get punished for being on Medicaid. For example, some states only allow you to have 4 medications covered by Medicaid. After the 4th active prescription, a type of "prior authorization" is sent to each and every doctor--for some government bureaucrat to make an arbitrary decision whether this medication is being "worthy of coverage".