A person cannot have both Medicare Advantage and Medigap. Both Medicare Advantage and Medigap are supplemental insurances that help cover costs that Original Medicare doesn’t, and people have to choose one or the other.

To make the best choice it is important to understand the difference:

Medicare Advantage (Medicare Part C) is part of Medicare. Advantage plans typically offer more benefits, better cost-sharing, and often are bundled with a Part D drug plan.

Medigap is not Part of Medicare. Medigap also does not offer additional benefits. Medigap simply fills in the gaps in terms of Original Medicare’s cost-sharing. To get drug coverage you’ll need to pair a standalone Part D drug plan with Medigap.

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