Yes and No
, you can join a Medicare Advantage plan when you have a Medicare Supplement, at least in theory. 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 short, you will use either a Medicare Advantage plan or your Original Medicare A and B plus your Medicare Supplement.
(see: Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare, CMS
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