StephanieCJ
Guru
- 660
We definitely strayed into an argument about semantics. Bottom line: It is technically possible to have both at the same time, but ultimately pointless. The Medigap picks up where Original Medicare leaves off. The MAPD is a Medicare Replacement (Original Medicare no longer managing your care, but a private insurance company doing it). There is no coordination of benefits and the Medigap will not pay anything toward claims as long as you are enrolled in the MAPD. Enrolling the client in a PDP will effectively disenroll them in the MAPD and revert their health coverage back to Original Medicare. At that time, they can begin using the Medigap policy again in conjunction with Original Medicare.