A beneficiary who is enrolled in a Medicare Advantage plan and also owns a Medigap policy:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medigap, Medicare Supplement, policies are designed to fill the gaps in Original Medicare, the Part A and Part B deductibles and coinsurance. They do not coordinate with, or pay the cost-sharing of, Medicare Advantage plans, which have their own network, benefits, and cost-sharing structure. Keeping a Medigap policy alongside a Medicare Advantage plan is generally not useful because the supplement pays Original Medicare-style cost-sharing, not MA cost-sharing, and California law restricts when Medigap may be sold to MA enrollees. The absence of coordination is an express exam point in the senior products objectives.
Why the other options are wrong
- B) Medigap does not cover Medicare Advantage plan deductibles, copays, and coinsurance. It supplements Original Medicare only and has no payment obligation against MA cost-sharing.
- C) Benefits do not stack. Because the Medigap policy has nothing to pay against Medicare Advantage cost-sharing, the beneficiary does not receive double benefits for the same service.
- D) Enrollment in a Medicare Advantage plan does not automatically terminate an existing Medigap policy. The two can coexist, but the Medigap policy provides little value while the member is in MA.
Memory hook
Medigap speaks Original Medicare only — it will not translate into Medicare Advantage coverage.