What happens to my Medigap policy (Supplemental Insurance) if I join a Medicare Advantage Plan?

A Medicare Supplemental Insurance (Medigap policy) does not work with Medicare Advantage Plans. This means it won’t pay any deductibles, co-payments, or other cost-sharing under your Medicare Health Plan.

If you decide to keep your Medigap policy, you will have to pay your Medigap policy premium, but the Medigap policy won’t pay any deductibles, co-payments, or coinsurance under a Medicare Advantage Plan. So, if you want to join a Medicare Advantage Plan, you may want to drop your Medigap policy.

Attention: If you leave your Medicare Advantage Plan you might not be able to get the same Medicare Supplemental Insurance policy back you previously had, or in some cases, any Medicare Supplemental Insurance policy, should you later decide to switch back.

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