A bit of foresight can save you from the Medigap trap — yet one more rule to learn when navigating Medicare and Medicare Advantage (MA). In short, it’s a mistake to plan to enroll in MA when you’re relatively healthy, thinking you can just switch to traditional Medicare as you get older and sicker, says David A. Lipschutz, co-director of the Center for Medicare Advocacy.
MA can be attractive when first enrolling in Medicare for beneficiaries who aren’t worried about network restrictions on doctors or pre-approval requirements for high-level care.
