Frequently Asked Questions about Medicare Supplements or Medigap

No.  Medicare Advantage plans are not the same as Medicare Supplements or Medigap policies. And here are a few key differences between the plans: Medigap policy design Medica . . .

Yes. There are two Medicare Advantage plan "trial periods" allowing you to return to a Medicare Supplement policy with guaranteed issue rights (no medical underwriting) - and, depending on where you live, your state may provide additional Medigap guaranteed issue rights

Probably not.  Before the start of the Medicare Part D program, Medicare Supplement "Plan H”, “Plan I”, and “Plan J” were available and included some form of drug co . . .

Yes.  In 2015, the Medicare Access and CHIP Reauthorization Act (MACRA) was passed eliminating Medicare Supplements that cover the cost of the Medicare Part B deductible starting in 2020 - and . . .

Yes and No.  (1) Yes, you can legally join a Medicare Advantage plan when you have a Medicare Supplement, at  least in theory.(2)  But no, you cannot use both a Medicare Supplement and . . .

Yes. Medicare provides a Special Enrollment Period (SEP) for people who left their Medicare Supplement (Medigap plan) and joined a Medicare Advantage plan for the first time and now within the 12-month trial period wish to return to their Medicare Supplement.

Like other Medicare beneficiaries, if you are enrolled in a Medicare Supplement or Medigap policy, you will need to join a separate stand-alone Medicare Part D plan (PDP) if you wish to have prescript . . .

Medicare Supplements (Medigap policies) work together with your original Medicare coverage, filling the "gaps" (deductibles, coinsurance, and copayments) in your Medicare Part A (in-patient or hospital insurance) and Part B (out-patient or physician insurance) coverage.

Currently, no Medigap policies with drug coverage are being sold. However, you may have joined a Medigap policy in the past that includes drug coverage. If you currently have a Medigap policy that co . . .

Unlike other Medicare Initial Enrollment Periods, the Open Enrollment Period for Medicare Supplements or Medigap policies begins when you first have both Medicare Part A (have turned 65) and Medic . . .

It depends on where you live.  If you are an under-65 Medicare beneficiary due to a disability or ESRD, your rights to join a Medicare Supplement will depend on your state's Medigap law. The c . . .

No.  It is an illegal insurance practice for an agent to sell you a Medicare Supplement or Medigap policy if the agent knows that you are already enrolled in a Medicare Advantage plan - unless yo . . .

If your Medigap policy is type C, D, E, F, G, H, I, J, M or N; your plan may offer additional coverage for health care services or supplies that you get outside the U.S.

Yes. Medicare provides a Special Enrollment Period (SEP) for people who left their Medicare Supplement (Medigap plan) and joined a Medicare Advantage plan for the first time and now within the 12-month trial period wish to return to their Medicare Supplement.

No.  Medicare Advantage plans are not the same as Medicare Supplements or Medigap policies. And here are a few key differences between the plans: Medigap policy design Medica . . .

Yes and No.  (1) Yes, you can legally join a Medicare Advantage plan when you have a Medicare Supplement, at  least in theory.(2)  But no, you cannot use both a Medicare Supplement and . . .

Medicare Supplements (Medigap policies) work together with your original Medicare coverage, filling the "gaps" (deductibles, coinsurance, and copayments) in your Medicare Part A (in-patient or hospital insurance) and Part B (out-patient or physician insurance) coverage.

Like other Medicare beneficiaries, if you are enrolled in a Medicare Supplement or Medigap policy, you will need to join a separate stand-alone Medicare Part D plan (PDP) if you wish to have prescript . . .

Probably not.  Before the start of the Medicare Part D program, Medicare Supplement "Plan H”, “Plan I”, and “Plan J” were available and included some form of drug co . . .

If your Medigap policy is type C, D, E, F, G, H, I, J, M or N; your plan may offer additional coverage for health care services or supplies that you get outside the U.S.

No.  It is an illegal insurance practice for an agent to sell you a Medicare Supplement or Medigap policy if the agent knows that you are already enrolled in a Medicare Advantage plan - unless yo . . .

Yes. There are two Medicare Advantage plan "trial periods" allowing you to return to a Medicare Supplement policy with guaranteed issue rights (no medical underwriting) - and, depending on where you live, your state may provide additional Medigap guaranteed issue rights

Yes.  In 2015, the Medicare Access and CHIP Reauthorization Act (MACRA) was passed eliminating Medicare Supplements that cover the cost of the Medicare Part B deductible starting in 2020 - and . . .

It depends on where you live.  If you are an under-65 Medicare beneficiary due to a disability or ESRD, your rights to join a Medicare Supplement will depend on your state's Medigap law. The c . . .

Unlike other Medicare Initial Enrollment Periods, the Open Enrollment Period for Medicare Supplements or Medigap policies begins when you first have both Medicare Part A (have turned 65) and Medic . . .

Currently, no Medigap policies with drug coverage are being sold. However, you may have joined a Medigap policy in the past that includes drug coverage. If you currently have a Medigap policy that co . . .