yes you can. Again, keep in mind the distinction between having in the sense of owning and keeping a policy in force and having in the sense of using, ie having providers receive payments. If you already own Medigap, you can get and use a Medicare advantage policy. You can own the medigap at the same time (as long as you pay the premiums) but may not use it. This lets you drop the MA/MAPD in the next annual enrollment period by enrolling in a PDP and then returning to actually using the old Medigap plan and the new PDP plan in the new PDP enrollment year.
Here is a third party sales organization article on the subject: Medicare Advantage & Medicare Supplement Plan Coverage
People that are saying “you can’t” lostdollar, are just referring to the fact that it is illegal for us to do so. It can, like you said, be done. The medigap will never pay though. If the bill from the doctor went to Medicare, Medicare will automatically send it to the MAPD plan. The Med supp will never see the bill because the MAPD is primary, not Medicare.
Thanks for the comments. I hope they will encourage op towards helping his client retain her existing coverage. I was not trying to make any comments about what an agent's licensing state, personal ethics or E&O coverage might allow-only what I believe CMS allows-at least for an individual medicare beneficiary to do.
Yes. I have persisted in my comments in this thread only because it seemed to me that op was going to miss an opportunity for the best way to help his client. I have repeated myself several times and am going to be done posting in this thread.
