This is not specifically a Q about diabetes but I’m sure there are folks on this forum who will know the answers I’m looking for.
My wife and I are in our mid 70s. For years we have had a Medicare advantage HMO insurance plan. Any and all medical care we get must come from in-network providers or it won’t be covered. It’s renewal time and we are considering an alternative.
There is a small chance my wife could need treatment and possibly major surgery by specialists our HMO network would not cover. If we decide to hedge our bets, one way, I guess, would be NOT to renew her HMO plan but revert to Original Medicare. Then we would also consider some sort of medigap plan.
I’ve read the Medicare and You 2022 book that just came in the mail and I’m confused about medigap plans. The book seems to be written mostly from the viewpoint of someone just beginning to use any form of Medicare, not someone our age, who might be thinking about medigap now, after years of not using it.
I can’t figure out if the fact that my wife is already seeing specialists in our HMO for a possible problem qualifies as a “pre existing condition”, and if so, would it disqualify her from buying any sort of medigap plan?