Minnesota

Now I'm on the AARP United Healthcare Medicare SUPPLEMENT plan (aka Medigap). As I understand it, all supplement plans have to cover everything traditional Medicare covers, and there are very tight rules on the various copays and deductible amounts that are covered with each of the plans. https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits

(Minnesota is one of 3 states that has a different set of supplement plans than the above. I got the most comprehensive expensive one).

I got the plan within 6 months of Medicare eligibility (I don't have the exact window details handy) which means I didn't have to answer (nor was asked) medical questions or have a physical or other medical examination to get it.

But if I try to switch, another provider of supplement plans can base the premiums on my medical history and exam results. Or refuse to cover me. So I'm stuck on it for life.

I wasn't wow'd by AARP's endorsement (nor swayed by it in the slightest). I did a *lot* of research on what was available to me at the time, knowing that it was a multi-multi-year decision..