Surprisingly, yes, but. . . (1) Yes
, you can legally join a Medicare Advantage plan when you have a Medicare Supplement, at least technically.
(2) But no
, you cannot use both a Medicare Supplement and a Medicare Advantage plan together (the two types of Medicare coverage do not work together to bring you more benefits).
As noted by the Centers for Medicare and Medicaid Services (CMS):
"Medigap policies can’t work with Medicare Advantage Plans. If you decide to keep your Medigap policy, you’ll have to pay your Medigap policy premium, but the Medigap policy can’t pay any deductibles, copayments, coinsurance, or premiums under a Medicare Advantage Plan.
So, if you join a Medicare Advantage Plan, you may want to drop your Medigap policy.
Contact your Medigap insurance company to find out how to disenroll. However, if you leave the Medicare Advantage Plan you might not be able to get the same Medigap policy back, or in some cases, any Medigap policy unless you have a “trial right.” [Remember y]our rights to buy a Medigap policy may vary by state. You always have a legal right to keep the Medigap policy after you join a Medicare Advantage Plan. However, because you have a Medicare Advantage Plan, the Medigap policy would no longer provide benefits that supplement Medicare."
In summary, you cannot use your Medicare Supplement if you join a Medicare Advantage plan, but if you keep your Medicare Supplement along with your Medicare Advantage plan, you could go back to your Medigap plan along with Original Medicare Part A and Part B, without underwriting
, at any point when you are able to drop your Medicare Advantage plan -- such as if you drop your Medicare Advantage plan during the AEP
or during the MA-OEP
(see: Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare, CMS
See the related question:
"Can I join a Medicare Supplement if I already have a Medicare Advantage plan?
You can also click here to learn more
about Medicare Advantage plans.
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