If I have a Medicare Advantage plan, do I still need Medigap insurance?

Dr. Michael Roizen, MD
Internal Medicine

If you have a Medicare advantage plan, you do not need Medigap, a supplemental insurance that pays for what Medicare does not. In fact, you can no longer be sold a Medigap policy if you have Medicare Advantage.

 For more information about Medicare advantage and Medigap, contact Medicare at 1-800-633-4227 or

Generally, once you have a Medicare Advantage plan, you don’t need or can’t use a Medicare Supplemental or Medigap policy.
If you already have a Medigap policy, you cannot use it to pay for out-of-pocket costs under your Medicare Advantage plan.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.