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    which of the following statements is true about a medicare supplement insurance plan member who wants to enroll in an ma plan?

    James

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    get which of the following statements is true about a medicare supplement insurance plan member who wants to enroll in an ma plan? from EN Bilgi.

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    Can I Have a Medicare Advantage and a Medicare Supplement Insurance Plan at the Same Time?

    Wondering if you can have Medicare Advantage & Medicare Supplement plan at the same time? Find out the advantages and disadvantages of keeping both plans.

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    Can I Have a Medicare Advantage and a Medicare Supplement Insurance Plan at the Same Time?

    February 25, 2022 • 4 min read Written by Jason B. Share: In this article

    What is a Medicare Supplement insurance plan?

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    What is Medicare Advantage?

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    Can I combine Medicare Supplement with Medicare Advantage?

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    See plans in your area instantly!

    What is a Medicare Supplement insurance plan?

    Medicare Supplement insurance plans can work alongside Medicare (Part A and Part B) and may help cover costs that Medicare doesn’t pay, such as coinsurance, copayments, and deductibles. You need to pay the premium for your Medicare Supplement insurance plan, as Medicare will not cover the cost of a Medicare Supplement insurance plan. Medicare Supplement insurance plans are standardized and in most states there can be up to 10 plans, labeled A-N. Each policy covers the same benefits as other policies of the same name, no matter which insurance company is offering it.

    Medicare Supplement insurance plans don’t cover costs associated with any kind of health-care plan other than Medicare Part A and Part B, including Medicare Advantage plans, employer/group health coverage, Medicaid, or TRICARE (coverage for military retirees).

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    What is Medicare Advantage?

    Medicare Advantage (also called “Part C“) is provided by private insurance companies contracted with Medicare and offers all of the Medicare Part A (hospital care) and Part B (medical care) benefits besides hospice care, which Part A covers. Most Medicare Advantage plans also offer prescription drug coverage (Part D). Many Medicare Advantage plans cover other benefits, such as routine vision, hearing, and/or dental, and health/wellness programs. With Medicare Advantage, you’ll get your hospital insurance and medical insurance coverage through Medicare Advantage and not directly from Original Medicare.

    Can I combine Medicare Supplement with Medicare Advantage?

    If you already have Medicare Advantage plan, you can generally enroll in a Medicare Supplement insurance plan under one condition – your Medicare Advantage plan must end before your Medicare Supplement insurance plan goes into effect. In fact, it’s illegal for an insurance company to sell you a Medicare Supplement insurance plan if they know you’re enrolled in a Medicare Advantage plan unless you can demonstrate (usually in writing) that you are leaving your Medicare Advantage plan.

    If you have Original Medicare and you’re interested in signing up for Medicare Advantage, you can usually do so during the Annual Election Period between October 15 and December 7. If you enroll during this time, your coverage will begin January 1. Learn about the other enrollment periods when you can enroll in Medicare Advantage.

    If you enroll in a Medicare Advantage plan and keep your Medicare Supplement insurance plan, keep in mind that your Medicare Supplement insurance plan will not pay any of the Medicare Advantage deductibles, copayments or coinsurance. To keep your Medicare Supplement insurance plan, you will need to continue paying the monthly premium but you won’t be able to use it for health coverage, so it may make sense to drop your Medicare Supplement insurance plan when you begin Medicare Advantage plan.

    You do, however, have a legal right to keep your Medicare Supplement insurance plan after enrolling in a Medicare Advantage plan, even though the Medicare Supplement insurance plan will no longer provide you benefits. If you do cancel your Medicare Supplement insurance plan, you may not be able to get it back. Outside your Medicare Supplement Open Enrollment period, you may be subject to medical underwriting where current or past health problems could be grounds to deny you coverage.

    The product and service descriptions, if any, provided on these eHealth Insurance Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

    This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

    Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealth’s Medicare related content is compliant with CMS regulations, you can rest assured you’re getting accurate information so you can make the right decisions for your coverage. Read more to learn about our Compliance Program.

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    Source : www.ehealthinsurance.com

    Medigap & Medicare Advantage Plans

    Read about how Medigap policies can’t work with Medicare Advantage Plans (Part C). Your Medigap policy can't be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums. Learn how you can switch to a Medigap policy, Medicare Advantage Plan, or Original Medicare.

    Medigap & Medicare Advantage Plans

    Medigap policies can't work with Medicare Advantage Plans. If you have a Medigap policy and join a

    Medicare Advantage Plan (Part C), you may want to drop your Medigap policy. Your Medigap policy can't be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums.

    If you want to cancel your Medigap policy, contact your insurance company. If you leave the Medicare Advantage Plan, you might not be able to get the same, or in some cases, any Medigap policy back unless you have a "trial right."

    If you have a Medicare Advantage Plan, it's illegal for anyone to sell you a Medigap policy unless you're switching back to

    Original Medicare. Contact your State Insurance Department if this happens to you.

    If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to see if you're able to disenroll.

    If you join a Medicare Advantage Plan for the first time, and you aren’t happy with the plan, you’ll have special rights under federal law to buy a Medigap policy. You have these rights if you return to Original Medicare within 12 months of joining.

    If you had a Medigap policy before you joined, you may be able to get the same policy back if the company still sells it. If it isn’t available, you can buy another Medigap policy.

    The Medigap policy can no longer have prescription drug coverage even if you had it before, but you may be able to join a Medicare Drug Plan (Part D) .

    If you joined a Medicare Advantage Plan when you were first eligible for Medicare, you can choose from any Medigap policy.

    Some states provide additional special rights.

    Note

    If you don’t drop your Medicare Advantage Plan and return to Original Medicare within 12 months of joining, generally, you must keep your Medicare Advantage Plan for the rest of the year. You can disenroll or change plans during the Open Enrollment Period or if you qualify for a Special Enrollment Period. Depending on the type of Special Enrollment Period, you may or may not have the right to buy a Medigap policy.

    For more information

    Find a Medigap policy.

    Call your State Health Insurance Assistance Program (SHIP).

    Call your State Insurance Department.

    Source : www.medicare.gov

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    James 7 month ago
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