Medicare Advantage vs. Medicare Supplement


Medicare Advantage vs. Medicare Supplement. Medigap insurance policies typically can’t work with Medicare Advantage Plans. If you have a Medicare supplement policy and join a Medicare Advantage Plan (Part C)

You may want to drop your Medicare supplement policy. Your medicare supplement insurance policy can’t be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums.

Contact your insurance company if you want to cancel your Medicare supplement policy. If you leave the Medicare Advantage policy, you may not be able to get the same plan or, in some situations, any Medigap policy back unless you have a “trial right.

If you have a Medicare Advantage Plan, it is against the law for anyone to sell you a Medigap policy unless you move back to your Original Medicare situation. 

Contact your State Insurance Department if this were to happen.

If you wish to move back to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to see if you can disenroll.

Suppose you join a Medicare Advantage Plan for the first time and aren’t happy with the plan. In that case, you have a “trial right” within federal law to buy a Medigap policy and a different Medicare drug plan if you return to your Original Medicare within 12 months of entering the Medicare Advantage Plan.

  • Suppose you had a Medigap policy before you entered. If it isn’t available, you can purchase another Medigap policy. In that case, you might be able to get the same policy back if the company still sells it.
  • The Medigap insurance policy no longer has prescription drug coverage even if you had it prior. Still, you may be able to buy a prescription drug plan.
  • Suppose you joined a Medicare Advantage Plan when you were first eligible for Medicare. In that case, you could choose from any Medigap policy.
  • Some states provide additional special rights.
  • Some states provide additional special rights.