I totally empathize with you.  No one explained that when you receive your Medicare whendisabled, that whichever plan you choose is a permanent one.  I also chose the F plan due tothe need for several joint replacements.  However, when i tried to dow...

What is of utmost importance is once you have your Medicare coverage is choosing your supplementPlan. Once it is chosen, you can NOT change the plan except to change over to an Advantage plan.They are not generally " Preferred". I chose an F plan and...