I am going to be eligible for Disability Medicare in next few months and am fairly confused over gap insurance vs Advantage plans. I currently live in NJ and this state has some wonderful rules that help folks with pre-existing conditions get insurance without any extra fees or being turned down. But I want to move out of state..... I currently have an individual HMO plan that is getting very costly since I turned 50. I am anxious to get on Medicare but it seems getting a gap policy is not an automatic when you are under 65. From what I can understand gap insurance still has pre-existing conditions when under 65. Advantage plans I am not sure what their rules are, they seem to vary state to state. Are you guaranteed coverage to an Advantage Plan in any state? I don't exactly know what state I am moving to but it most likely will be NC, SC, NV or AZ. Is there any chart that shows state by state what the rules are for gap insurance? Also do Advantage plans have limits on procedures? For example my current plan has a total of 60 days of physical therapy for lifetime per condition.