1. Bob VineyardPRO
    Founder, Georgia Medicare Plans, Atlanta,GA
    There are different kinds of supplemental plans that are sometimes coupled with a Medicare Advantage plan. As others have pointed out, you do not need a traditional Medicare supplement (Medigap) plan in addition to your Advantage plan.

    Some carriers offer cancer plans, hospital indemnity plans and other single purpose plans. You will be told you need these plans to fill the gaps in Medicare Advantage plans and cover your out of pocket expenses in the event of a hospitalization or severe illness.

    Truth is, you don't need these add on plans. Just a waste of your money and a way for the agent pushing them to pad his or her wallet at your expense.

    If you feel you will have difficulty paying your out of pocket expenses which can be several thousand dollars under a Medicare Advantage plan, you should consider switching to traditional Medicare and buying a Medicare supplement (Medigap) plan.

    Medigap plan N is a good transition product or for those on a tight budget, Medicare supplement plan Hi F.
    #GeorgiaMedigapPlanRates #GeorgiaMedicarePlans #GaMedigapQuotes
    Answered on April 16, 2013
  2. Ted RatliffPRO
    Owner, SeniorCare Financial Services Northeast Ohio,
    You do not need and it is actually unethical and against Medicare guidelines to sell you a Medicare Supplement with a Medicare Advantage Plan.
    There are some policies that will help pay some of the out of pocket costs of a Medicare Advantage and in some cases they may be a good option. These are not Medicare Supplements. If however the premium gets too high you are better off in a Medicare Supplement plan rather than a Medicare Advantage rather than pay a premium for the supplemental hospital coverage, Make sure you have a good agent who can help you decide your best options based on your individual situation.
    Answered on April 16, 2013
  3. J Scott BurkePRO
    President, Newbury Inc., Evansville, Indiana
    No you do not need supplemental insurance when you are on Medicare Part C aka:Medicare Advantage. In fact if you keep your Medicare Supplement while you are on Medicare Advantage it will not pay anything.

    Medicare Supplements only pay the gaps after Medicare A&B pay their part. When you are on Medicare Advantage, A&B do not pay at all.
    Answered on April 16, 2013

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