AHIP Practice Exam

During her MA Initial Coverage Election Period (ICEP), what can't Mrs. Reeves do?

1. Enroll in a Medicare Advantage plan

2. Enroll in a Medigap plan to supplement her MA plan

3. Change her existing Medicare coverage

4. Disenroll from her current plan

The correct answer is: Enroll in a Medigap plan to supplement her MA plan

When considering what Mrs. Reeves cannot do during her Medicare Advantage Initial Coverage Election Period (ICEP), it's important to understand the nature of Medicare Advantage plans and Medigap policies. During the ICEP, individuals are granted the opportunity to enroll in a Medicare Advantage plan or make changes to their existing Medicare coverage. However, Medigap plans, also known as Medicare Supplement Insurance, are specifically designed to complement Original Medicare (Parts A and B) and cannot be used in conjunction with a Medicare Advantage plan. Since Mrs. Reeves is looking to enroll in a Medicare Advantage plan, she cannot subsequently enroll in a Medigap policy, as they are mutually exclusive. Medigap plans are not applicable to those who have a Medicare Advantage plan, meaning that individuals like Mrs. Reeves will have to either stick with Original Medicare and utilize a Medigap plan or enroll in Medicare Advantage without the option for Medigap. This policy is crucial for understanding the coverage options available and ensures that beneficiaries can clearly navigate their choices without overlap in their coverage types.