Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a Medigap plan to pick up costs not covered by that plan. What should you tell him?
a. It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA plan, and besides, Medigap only works with Original Medicare.
Medigap plans, also known as Medicare Supplement plans, are specifically designed to work with Original Medicare (Part A and Part B). It is not possible to have both a Medicare Advantage (MA) plan and a Medigap plan simultaneously. If Mr. Capadona decides to enroll in an MA plan, he will not be eligible to purchase a Medigap policy.
Medicare Advantage plans are an alternative way to receive Medicare benefits and often offer additional coverage beyond Original Medicare. On the other hand, Medigap plans are designed to fill the gaps in coverage left by Original Medicare, such as deductibles, copayments, and coinsurance.
Therefore, Mr. Capadona will need to choose between enrolling in a Medicare Advantage plan or purchasing a Medigap plan to supplement Original Medicare, but he cannot have both at the same time.
