Can You Have Both Medicare Advantage and Medigap?
Why Can't You Have Both?
The reason is structural, not arbitrary.
Medigap is designed to fill the gaps in Original Medicare — Part A and Part B. It pays the deductibles, copays, and coinsurance that Original Medicare leaves behind.
Medicare Advantage replaces Original Medicare. When you're enrolled in Medicare Advantage, your benefits flow through the private plan, not through Original Medicare. There are no Original Medicare gaps for Medigap to fill.
Selling someone a Medigap policy while they're on Medicare Advantage would be selling them insurance that covers nothing. Federal law prohibits it.
What's the Difference Between the Two?
Medicare Advantage (Part C):
- Replaces Original Medicare with a private plan
- Usually includes drug coverage (MAPD)
- Often includes dental, vision, hearing extras
- Works within a network (HMO or PPO)
- Has an annual out-of-pocket maximum
- Premiums are often $0 (you still pay your Part B premium)
Medigap (Medicare Supplement):
- Works alongside Original Medicare — doesn't replace it
- Covers what Original Medicare doesn't (deductibles, copays, coinsurance)
- No networks — works with any doctor who accepts Medicare
- Higher monthly premiums, but very predictable costs
- Does not include drug coverage (need a separate Part D plan)
What If You Already Have Medicare Advantage and Want Medigap?
You'll need to switch back to Original Medicare first:
- Disenroll from Medicare Advantage during a valid enrollment period (AEP: Oct 15–Dec 7, or MAOEP: Jan 1–Mar 31)
- Return to Original Medicare (Parts A and B)
- Apply for a Medigap policy
Is There Any Exception?
One narrow exception: if you're in a Medicare Medical Savings Account (MSA) plan, you also cannot buy Medigap. Otherwise there are no exceptions — the two are mutually exclusive in all circumstances.
Frequently Asked Questions
Can I have Medicare Advantage and a Medicare Supplement at the same time?
No. Federal law prohibits insurance companies from selling Medigap to someone enrolled in Medicare Advantage. The two are mutually exclusive.
I have Medicare Advantage and someone is trying to sell me a Medigap policy. Is that legal?
It is illegal for an insurer to knowingly sell you a Medigap policy while you have Medicare Advantage. If this has happened, contact your State Insurance Commissioner.
Can I have Medicare Advantage and other supplemental insurance (like dental or vision)?
Yes — standalone dental, vision, or hearing insurance can be combined with Medicare Advantage. Only Medigap/Medicare Supplement specifically is prohibited.
Which is better — Medicare Advantage or Medigap?
Depends on your health, finances, and priorities. Medigap offers cost predictability and nationwide coverage. Medicare Advantage often has lower premiums and bundled benefits but comes with networks and variable costs. Use our plan comparison tool