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I have Medicare and my ex-employer provides a supplement. Do I need a Medigap policy?

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I have Medicare and my ex-employer provides a supplement. Do I need a Medigap policy?

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Probably not. Check the coverage your supplement provides. Are there any areas you feel could be better covered by a Medigap or an HMO program? Compare the cost to you for both options. Beware! If you leave your ex-employer’s coverage you probably will not be allowed to re-enroll later.

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