No. A Medicare Advantage and Medicare supplement insurance (Medigap) plan cannot work together. A Medigap plan cannot pay any of your Medicare Advantage premiums, coinsurance, copayments, deductibles or any out-of-network claims.

You can check the plan's online provider directory or call the plan's customer service number and ask whether your providers and pharmacies are part of your plan's network. You can also call your doctor's office, preferred pharmacy and hospital directly and ask whether they accept the plan.

If you plan to retire at age 65, you will most likely need to enroll in Medicare during your Initial Enrollment Period, which begins three months before your 65th birthday month. However, your employer may offer retiree coverage that could allow you to delay enrolling. Check with your employer's benefits administrator to learn about your options before making any Medicare decisions.

It depends. If when you become eligible for Medicare you are receiving Social Security or Railroad Retirement Board benefits, then you will be automatically enrolled. If you are not receiving these benefits, then you will need to enroll yourself in Part A and Part B with the Social Security Administration. If you decide you want a Medicare Advantage (Part C) plan, a Part D prescription drug plan or a Medicare supplement insurance (Medigap) plan, you will need to enroll yourself directly with the private insurance plan provider.

It depends on your situation. Typically, if your employer has 20+ employers, you may be able to delay without penalty. But if your employer has less than 20 employees, you will likely need to enroll in Medicare. If your spouse is on your employer plan, there may be options to consider as well. Check with your employer's benefits administrator to learn about your options.

Your Medicare Advantage plan will notify you if your doctor leaves the plan network and you will be able to choose a new doctor. Generally, you can't change plans in this situation until the next Medicare Annual Enrollment (unless you qualify for an exception).

If you stay within your current plan's service area, you can keep your plan. If you move out of your plan's service area you may qualify for a Special Enrollment Period and enroll 'in a new plan. You could choose a new Medicare Advantage plan available in the area you're moving to, or you could return to Original Medicare (Part A and Part B), with the option of adding a prescription drug plan (Part D), a Medicare supplement plan or both. Call your current private insurance customer service department to find out the plan's service area.

Medicare is individual insurance, so it won't cover you until you reach age 65, even if your spouse is on Medicare. Find out whether your spouse's current health coverage can cover you after your spouse retires. You may be eligible for COBRA coverage or purchase an individual health insurance policy.

Your Medigap plan can't work with a Medicare Advantage plan. If you have a Medigap policy and join a Medicare Advantage Plan (Part C), you may want to drop your Medigap policy. Your Medigap policy can't be used to pay your Medicare Advantage Plan premiums, coinsurance. copayments, deductibles and out-of-network costs.

The insurance card(s) you use when you go to the doctor or a hospital can help you figure out what kind of coverage you have. Original Medicare (Parts A & B) card is red, white and blue, and issued by the federal government through Social Security Administration. A private insurance card is a separate card issued by the plan provider which would be a Medicare Advantage (Part C) plan, a Part D prescription drug plan or a Medicare supplement insurance (Medigap) plan. Call the number on your card to find out more about your plan type.