This class covered the Medicare Advantage trial period, which provides an opportunity for individuals to test out a Medicare Advantage plan without committing permanently. You learned how this period works, who qualifies, and the key considerations when deciding to switch between Medicare plans. Below are the essential takeaways and next steps to keep in mind:

Key Takeaways:

Eligibility for the Trial Period
The Medicare Advantage trial period applies to those new to Medicare Advantage plans, either just turning 65 or switching from a Medicare supplement plan for the first time.
This trial is not for those switching between Medicare Advantage plans.
12-Month Trial Duration
You have 12 months to decide if the Medicare Advantage plan works for you. The trial period begins when your plan takes effect, typically after the Annual Enrollment Period (Oct 15 - Dec 7).
Use this time to assess if you’re comfortable with doctor networks, co-pays, and prescription coverage.
Plan Transition
If you’re considering switching back to Original Medicare or a supplement plan, start your application by November 30. This ensures you're within the trial period to avoid medical underwriting, which could increase your premiums or deny coverage.
Guaranteed Issue Rights
Staying within the trial period guarantees issue rights, meaning you can return to a Medicare supplement plan without needing to pass medical underwriting.

Next Steps:

Carefully evaluate the cost structure and service satisfaction of the Medicare Advantage plan before the trial ends. Make sure you’re aware of how your needs are met through the insurance provider.
Mark the end of your 12-month trial period in your calendar to avoid missing deadlines for making changes.