Do I Need Medigap If I Have Medicare Advantage? 
You are not allowed to have both a Medigap and Medicare Advantage plan . Even if you were , you do n't need both . When you enroll in a Medicare Advantage plan you are essentially in a privatized Medicare plan . Your claims are handled by the insurance carrier . Claims are filed with the carrier , not Medicare . Any issues you have are handled by your carrier . If you have original Medicare , you should consider a Medigap plan to limit your out of pocket exposure . In this arrangement your provider files the claim for you with Medicare who adjudicates the claim then sends it on to your Medigap carrier . 