1. 15786 POINTS
    Bob VineyardPRO
    Founder, Georgia Medicare Plans, Atlanta,GA
    You are not allowed to have both a Medigap and Medicare Advantage plan. Even if you were, you don't need both.

    When you enroll in a Medicare Advantage plan you are essentially in a privatized Medicare plan. Your claims are handled by the insurance carrier. Claims are filed with the carrier, not Medicare. Any issues you have are handled by your carrier.

    If you have original Medicare, you should consider a Medigap plan to limit your out of pocket exposure. In this arrangement your provider files the claim for you with Medicare who adjudicates the claim then sends it on to your Medigap carrier.
    Answered on March 17, 2013
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