Can you have a medicare advantage plan and a supplemental plan at the same time

Skip to main content

  • Medicare
  • For Employers
  • For Brokers & Consultants
  • For Providers

    • Medicare

      For people 65+ or those who qualify due to a disability or special situation

    • Medicaid

      For people with lower incomes

    • Dual Special Needs Plans (D-SNP)

      For people who qualify for both Medicaid and Medicare

    • Health insurance
    • Supplemental insurance
    • Dental
    • Vision
    • Short term health insurance
    • Individual and Family Marketplace (ACA) plans

    • Small business
    • Large organizations
    • All employer plans

    • Understanding health insurance
    • Medicare articles and resources
    • Open enrollment

    • Choosing a doctor
    • Pharmacy benefits
    • Member ID card
    • Forms
    • All member resources

    • Rewards programs
    • Mental health programs
    • Virtual visits
    • All member tools
    • All member programs

    • COVID-19 Resource Center
    • Preventive care
    • Vaccines
    • Flu shot
    • All health and wellness topics

    • Check coverage
    • Find network providers
    • View claims

    • Medicare plans
    • Medicaid plans
    • Individual & family plans – short term, dental & more
    • Individual & family plans – Marketplace (ACA)
    • Small business plans

  • Medicare
  • For Employers
  • For Brokers & Consultants
  • For Providers

  1. Home
  2. News & articles
  3. Medicare articles
  4. Can you switch from Original Medicare to Medicare Advantage?

  • Medicare articles
    • Skip to main content
    • Can you switch from Original Medicare to Medicare Advantage?

Can you switch between Original Medicare and Medicare Advantage?

Can you have a medicare advantage plan and a supplemental plan at the same time

If you currently have Medicare, you can switch to Medicare Advantage (Part C) from Original Medicare (Parts A & B), or vice versa, during the Medicare Annual Enrollment Period. If you want to make a switch though, it may also require some additional decisions. The specific choices you need to make depend on which kind of coverage you’re switching to and from.

How to switch to Medicare Advantage from Original Medicare

In this situation, you have Original Medicare and want to switch to a Medicare Advantage plan. You may also currently have a stand-alone Part D prescription drug plan.

Most Medicare Advantage plans are all-in-one plans. They cover your Medicare Part A and Part B benefits plus prescription drugs (Part D) and other health services and items not included with Original Medicare. Examples of these other items include coverage for dental health, vision, hearing and gym memberships. Medicare Advantage plans also have an annual out-of-pocket limit to protect you from high costs.

You can switch to a Medicare Advantage plan from Original Medicare during the Annual Enrollment Period each fall, October 15 through December 7. And depending on the Medicare Advantage plan you get, if you have a stand-alone Part D plan, you may no longer need it.

A few things to keep in mind when choosing to get a Medicare Advantage plan

  • You usually don’t need to buy additional coverage like you may have with Original Medicare.
  • You usually don’t need a stand-alone Part D prescription drug plan with Medicare Advantage, because drug coverage is built in.
  • Medicare Advantage plans have an out-of-pocket limit, so you’ll have built in financial protection and won’t need a private Medicare plan to provide this.

Do I need to do anything after I enroll in a Medicare Advantage plan?

Once you enroll in a Medicare Advantage plan during Annual Enrollment, the plan will work with Medicare to transfer your benefits. You don’t have to contact Medicare yourself. Your new plan will begin covering you on January 1.

If you have a stand-alone Part D prescription drug plan or other private Medicare plan, you’ll need to contact the plan provider directly to dis-enroll. Simply call the number on the back of your insurance member ID card.

When deciding to change to a Medicare Advantage plan, keep the following in mind:

  • You may choose a different Medicare Advantage plan or return to Original Medicare during the Medicare Advantage Open Enrollment Period, January 1 – March 31.

How to switch to Original Medicare from a Medicare Advantage plan

Original Medicare only provides Part A (hospital coverage) and Part B (medical coverage). It does not provide some of the benefits you may have with your Medicare Advantage plan, like drug coverage, dental, vision or fitness. Original Medicare also doesn’t have an annual out-of-pocket limit, so there’s no built-in financial protection.

To switch from a Medicare Advantage plan to Original Medicare, you will need to contact your plan provider or Medicare directly. You can contact Medicare via the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.

You may want to add coverage if you switch to Original Medicare from a Medicare Advantage plan

When you drop your Medicare Advantage plan, you will lose coverage for other health services and items such as for prescription drugs and vision or dental. You will also lose built-in financial protection on out-of-pocket costs.

If you want to still have these items, you will need to purchase additional coverage, or pay directly out-of-pocket. For example, if you want prescription drug coverage, you will now need to find and enroll in a stand-alone Part D plan. If you decide you want additional coverage, you will need to choose a plan and enroll directly with the plan provider. Search available plans using your zip code here.

You do need to tell your Medicare Advantage plan you want to leave

Again, you do need to contact your plan provider directly to disenroll, but once you do, nothing more is required on your part. Once you contact your Medicare Advantage plan during Annual Enrollment to dis-enroll, your coverage will automatically revert to Original Medicare. You don’t have to contact Medicare yourself. Your new coverage will begin on January 1.

Think carefully when choosing your Medicare coverage

Think carefully about your options and which coverage is right for your health and lifestyle. Your next opportunity to change your Medicare coverage won’t be until the next year’s Annual Enrollment Period, unless you experience a qualifying life event and become eligible for a Special Enrollment Period.

Get the latest

Boost your Medicare know-how with the reliable, up-to-date news and information delivered to your inbox every month.

Find a plan

Enter your ZIP code for plans in your area

Meet with us

Make an appointment with a licensed insurance agent/producer in your area

Can you have a supplement plan and an Advantage plan at the same time?

If you already have Medicare Advantage plan, you can generally enroll in a Medicare Supplement insurance plan under one condition – your Medicare Advantage plan must end before your Medicare Supplement insurance plan goes into effect.

Can you have both Medicare Advantage and Medicare Supplement plans?

Summary: Contrary to popular opinion, Medicare Advantage and Medigap are two very different types of coverages — and you can't have both. Here's how to know which policy fits your needs. See plans in your area instantly!

Is Medicare primary or secondary to a Medicare Advantage plan?

Medicare pays first and your group health plan (retiree) coverage pays second . If the employer has 100 or more employees, then the large group health plan pays first, and Medicare pays second .

Can I switch from a Medicare Supplement to an Advantage plan?

Yes. Not only you can switch from Medigap to Medicare Advantage (MA), but depending on your situation, this may be a smart move for Medicare-eligible seniors.