Which statement is true regarding Medigap policies and Medicare Advantage Plans?

The statement that Medigap policies do not work with Medicare Advantage Plans is accurate because Medigap, or Medicare Supplement Insurance, is specifically designed to cover costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. However, Medicare Advantage Plans are an alternative way to receive Medicare benefits, effectively replacing Original Medicare. When an individual enrolls in a Medicare Advantage Plan, they are no longer utilizing Original Medicare, and thus, there is no need for a Medigap policy.

Medigap policies cannot coordinate benefits with Medicare Advantage Plans, as these plans already provide their own coverage, making Medigap unnecessary for someone enrolled in that type of plan. Therefore, if someone has Medicare Advantage, they typically do not have a Medigap policy and cannot purchase one either, reinforcing the idea that Medigap policies and Medicare Advantage Plans do not work together. This understanding helps clarify how Medicare options interact with one another and the decisions beneficiaries face regarding their coverage.