Wednesday, June 10, 2020

Can I Have Medicare Advantage AND a Medicare Supplement?

Yes, but why would you want both?

If you have an MA plan and apply for a Medigap, one of the caveats on the app states "You don't need both an MA and Medigap plan".

Of course no one ever reads those things.

That includes some agents . . .

If you have an MA plan and enroll in a PDP (Prescription Drug Plan), you are automatically disenrolled from your MA plan. But if you only buy the Medigap and forgo the drug plan, your MA plan will continue without missing a beat until YOU cancel the plan.

If you keep the MA plan your Medigap carrier will never see or pay a claim.

Essentially you are paying for worthless coverage.
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