Do I Also Need a Medigap Policy if I Join a Private Fee-For-Service Plan?
If you join a Private Fee-For-Service plan, you may choose to keep your Medigap policy, but you cannot use it for Medicare covered services unless you return to Original Medicare (But you may be able to use your Medigap policy for certain non-Medicare-covered services, such as outpatient prescription drugs, if your policy covers them.) Generally, however, a Medigap policy will be of no use to you while you are in a private free-for-service plan. You may want to keep your Medigap policy until you are sure you are happy with the Private Fee-For-Service plan. While you are enrolled in a Private Fee-For-Service plan, you will not need your Medigap policy. Generally, it is not legal for anyone to sell you a Medigap policy while you are enrolled in Sterling or any other Medicare Advantage organization.