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A non-government resource, powered by health insurance experts.
A non-government resource,
powered by health insurance experts.

Q: Can I Have Both Medigap and Medicare Advantage?

Asked by Anonymous on October 11, 2017

Howard Yeh
Howard Yeh October 11, 2017

It is against the law for anyone to knowingly sell you a Medicare Supplement (Medigap) policy if you plan to stay on Medicare Advantage, and vice versa. You don’t need Medicare Advantage if you already have Medicare Supplement. Each type of plan covers many of the same things, so you’d be wasting your money. This means that you can’t have both Medigap and Medicare Advantage at the same time.

Medigap VS Medicare Advantage

Medicare Supplement plans are meant to fill your coverage gaps not paid for by Original Medicare (the government-run program also known as Medicare Part A and Part B). There are a number of blind spots in Original Medicare, any of which could burden seniors who lack supplementary coverage with significant out-of-pocket costs. Having a Medicare Supplement policy on top of Medicare Part A and Part B generally makes a lot of financial sense.

If you rely on Medicare Advantage coverage, you won’t need a Medicare Supplement plan. The two types of coverage aren’t even compatible, since each Medicare Advantage plan will have different cost-sharing rules than Original Medicare. Medicare Advantage plans operate similarly to what you’d find in traditional health insurance – they typically operate as an HMO, PPO or POS plan. Since Medicare Advantage’s provider network is more tightly managed than Original Medicare, Medicare Advantage plans can offer you insurance with fewer coverage gaps.

The rule against buying Medicare Supplement and Medicare Advantage at once protects Medicare beneficiaries from unknowingly buying something they don’t need.

Taking the Next Steps

For starters, don’t try to buy both types of supplementary coverage at once. Maybe compare each plan type and decide? Once you know what you want, we’d be delighted to give you a free, no-obligation Medicare Supplement or Medicare Advantage quote.

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