It’s more important than ever this year that you examine your options for a Medicare Advantage Plan or Medicare Supplement Insurance Plan (Medigap), in particular to see what is covered if you should get the dreaded coronavirus.  October 15 to December 7 is the period when all people with Medicare can change their health care plan and prescription drug coverage for the following year.  In general, Medicare beneficiaries without some sort of Medicare Supplement Insurance will face Medicare cost-sharing if they contract COVID-19 or have any other health problems.  If you do have health conditions and leave a Medigap plan for a Medicare Advantage plan for the first time, you do get a one time 12-month “trial right” to try the Medicare Advantage plan and still have the option to go back to their same Medigap plan without medical underwriting.  You can find Medicare plan information or compare plans by calling 1-800-MEDICARE  or visit

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