Can Medigap Be Used with Medicare Advantage Plan?

Medicare Supplement plan or Medigap is a supplement insurance plan that is taken up with an Original Medicare plan. It helps in filling the gaps of an Original Medicare plan. Medicare supplement plan pays for the copayments, deductibles and coinsurance. It pays for things that are not fully covered by an original Medicare plan.

Medigap Plans aren’t in tuned with a Medicare Advantage Plan. It certainly doesn’t cover the deductibles, copayments and coinsurance of a Medicare Advantage plan. It is not advisable to be enrolled in a Medicare Supplement plan while joining a Medicare Advantage plan (part C). It is like wasting money on the premiums.

In cases where you decide to enrol for a Medicare Advantage Plan and want to drop your Medigap policy, always contact your insurance company to aid you in your step. If you just discontinue your enrolment in a Medigap policy, you might be unable to re-enrol yourself in the same or in some situations, any Medigap policy until you possess a “trial right”.

Since you can’t be enrolled in a Medicare Supplement Plan when you have joined a Medicare Advantage Plan; it is illegal for any insurance company to try to sell you a Medicare Supplement plan. It is only legal in scenarios where you are planning to switch back to Original Medicare Policy. If you find yourself in the former scenario, immediately contact your State Insurance Department and report the incident.

For an individual who is planning to enrol himself/herself back into Original Medicare Plan, reach out to the insurance providing company where you have enrolled yourself for the Medicare Advantage Plan to check if you can discontinue your enrolment with them. You can buy a Medigap policy if you are switching to an Original Medicare plan.

Federal law provides some special rights to individuals who don’t find themselves satisfied with a Medicare Advantage Plan after using it for the first time. According to these rights, the individual can enrol himself/herself in a Medigap plan. However, these rights are only available if the individual switches back to Original Medicare within 12 months of enrolling.

In this situation, you can re-enrol yourself in the same Medicare Supplement Plan you had before joining Medicare Advantage Plan. This is only possible if the company still sells that plan. In the adverse scenario, you’ll always have the option to buy another Medigap policy to suit your needs.

However, the Medigap policy cannot include prescription drug coverage even if it was a part of your plan previously. Nonetheless, you will always have the option to buy a Medicare Prescription Drug Plan (Part D) if you really need it.

When enrolling for a Medicare Advantage Plan, if you were first eligible for Medicare at that time, then you are also eligible to choose from any Medigap policy. You can also enjoy some extra special rights if you belong to one of the states which provide them.