What should a Medicare supplement insurance member do if they want to enroll in a Medicare Advantage plan?

When a Medicare supplement insurance member decides to enroll in a Medicare Advantage plan, it is essential to understand that Medicare Advantage plans provide comprehensive coverage that often includes most of the benefits offered through Medicare supplement policies. Enrolling in a Medicare Advantage plan effectively replaces the need for a supplement plan, which is designed to cover gaps in Original Medicare.

By submitting a request to cancel their Medicare supplement policy, the member can avoid paying unnecessary premiums for coverage they will no longer need. It's important for individuals to recognize that maintaining both types of plans simultaneously can lead to paying for duplicate coverage, which is generally not beneficial. Therefore, cancelling the Medicare supplement policy aligns with the intention of fully utilizing the Medicare Advantage plan and streamlining their health insurance coverage.

Keeping the supplement policy active while enrolling in a Medicare Advantage plan would not make sense because the comprehensive coverage of the Medicare Advantage plan serves to provide the necessary health coverage. Changing their primary care physician is unrelated to the enrollment process for Medicare Advantage and is more about personal choice rather than policy management.