Final answer:
Medigap insurance cannot be purchased if you're covered under a Medicare Advantage plan. Medigap is supplemental insurance for original Medicare, and Medicare Advantage is an alternative that often includes additional benefits, making Medigap unnecessary and incompatible.
Step-by-step explanation:
You cannot buy Medigap insurance if you are covered under a Medicare Advantage plan.
The U.S. government provides Medicare for individuals over age 65 as private health insurance costs can be very high for the elderly. Medigap policies are supplemental insurance plans that are designed to cover costs not covered by original Medicare, such as copayments, coinsurance, and deductibles. However, they are not compatible with Medicare Advantage plans, which are another way to get your Medicare coverage that combines Part A (Hospital Insurance), Part B (Medical Insurance), and sometimes Part D (prescription drug coverage) into one plan. They often offer additional benefits, like vision, hearing, dental, and more.
Therefore, if you have a Medicare Advantage plan, you are ineligible to purchase Medigap insurance because Medicare Advantage plans already offer many of the supplemental benefits that Medigap policies provide.