Anytime you have two medical insurance plans with some of the same coverage, you are going to have a coverage conflict. Health insurance plan Medicare Advantage is something that Medicare created as well, and it is incompatible with Medigap. The two plans are very different, but they share some of the same coverage, and that overlap would mean that if you had both plans, you would be paying for the same coverage twice.
So, you won’t be able to enroll in a Medicare Advantage plan at the same time as a Medigap plan. You’ll have to choose one or the other. Medicare would force cancellation on one of them if you are enrolled in both concurrently. The same is true for most health insurance plans that come from employers, unions or from trusts. They will conflict with Medigap in some way, and you’ll have to choose between one or the other.
Medicare Part D, on the other hand, is completely compatible with Medigap. The two plans work well together because they cover very different medical expenses. You may even be able to get both plans through the same insurance provider, and that could save you a bit of money over trying to buy them from separate insurers.
If you are unsure of how your current health insurance plan interreacts with Medigap, or you want to know what is Medigap, you can feel free to give us a call. We can help you understand what pan you can keep and which ones have to go for you to enroll in a Medigap plan.