Does a Med Sup plan cover the cost sharing of a Medicare Advantage plan?

The answer indicates that a Medigap (Medicare Supplement) plan does not cover cost sharing associated with Medicare Advantage plans. This is important to understand because Medigap plans are specifically designed to work alongside Original Medicare (Parts A and B) rather than Medicare Advantage plans (Part C).

Medigap policies help pay for costs that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. However, when a beneficiary enrolls in a Medicare Advantage plan, they are no longer using Original Medicare. Instead, they are receiving Medicare benefits through a private insurance company, which has different cost-sharing structures. Therefore, the coverage provided by a Medigap plan does not extend to costs incurred under a Medicare Advantage plan.

This distinction is crucial for beneficiaries when evaluating their healthcare coverage options and understanding the limitations of Medigap policies. Other choices may suggest varying degrees of coverage or conditions under which coverage might apply, which do not accurately reflect the nature of Medigap plans in relation to Medicare Advantage.