Most Medicare Advantage Plans also include Medicare Part D coverage and additional benefits that Original Medicare does not cover, such as vision, hearing, dental, fitness, and more. Medicare Part C, also known as Medicare Advantage plans, is a contract between the federal government and a private insurance company to provide, at minimum, all of the coverage provided by Medicare Part A and Part B. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.Contact the company to find out how to pay your premiums. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. But, Medigap policies sold after Januaren't allowed to include prescription drug coverage. Some Medigap policies sold in the past cover prescription drugs.This means the insurance company can't cancel your Medigap policy as long as you pay the premium. Any standardized Medigap policy is guaranteed renewable even if you have health problems.You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.If you and your spouse both want Medigap coverage, you'll each have to buy separate policies. A Medigap policy only covers one person.You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare. You pay the private insurance company a monthly premium for your Medigap policy.Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. ![]() A Medigap policy is different from a Medicare Advantage Plan. ![]() You must have Medicare Part A and Part B. ![]()
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