Can I Have Both Medigap Plan C and Medicare Advantage?

When it comes to Medicare, understanding your options is crucial. Two options that often come up are Medigap Plan C and Medicare Advantage (Part C). But can you have both? Let’s unravel the mystery.

Medigap Plan C and Medicare Advantage: A Quick Recap

Before we answer the question, let’s quickly recap what Medigap Plan C and Medicare Advantage are:


Medigap Plan C:

  • A supplemental insurance plan that covers costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
  • No network restrictions as long as the provider accepts Medicare.
  • Generally higher premiums but lower out-of-pocket costs.


Medicare Advantage (Part C):

An all-in-one alternative to Original Medicare.

Combines Part A, Part B, and usually prescription drug coverage (Part D).

Often includes additional benefits like dental, vision, and hearing.

Usually has network restrictions.


The Verdict: Can You Have Both?

The short answer is no. You cannot have both Medigap Plan C and Medicare Advantage. They are mutually exclusive options. You must choose either Medigap Plan C to supplement Original Medicare or Medicare Advantage as an all-in-one alternative.


Medigap Plan C vs. Medicare Advantage


Medigap Plan C: The Supplemental Guardian

Medicare Part C: The All-in-One Powerhouse


Shields you from out-of-pocket costs like copayments and deductibles of Original Medicare

Replaces Original Medicare with a feature-packed combo of Part A, Part B, and usually Part D

Network Restrictions

Roam free! No network restrictions as long as the provider accepts Medicare

Stay within bounds! Usually has network restrictions

Additional Benefits


Comes with perks! Often includes dental, vision, and hearing


Enrollment Periods: Timing is Key

Understanding when you can enroll in these plans is crucial. Here’s a comparison of the enrollment periods:

Enrollment Period

Medigap Plan C

Medicare Part C (Medicare Advantage)

Initial Enrollment Period

6 months starting the month you’re 65

7 months (3 months before, the month of, and 3 months after turning 65)

Open Enrollment Period

Not applicable

October 15 to December 7 annually

Special Enrollment Periods

In certain situations

In certain situations


Expert Consultation: Why It Matters

Navigating Medicare alone can be overwhelming. Independent brokers are available and free to work with. They can provide unbiased advice and help you compare options.



While Medigap Plan C and Medicare Advantage both offer valuable benefits, you cannot enroll in both. Understanding the differences and consulting an expert can help you make the best choice for your healthcare needs.