Your client, Jayne, wants to enroll in a Medigap Plan J policy. What should you tell her?

The correct approach in this situation involves informing Jayne about the restrictions associated with her desire to enroll in a Medigap Plan J policy while she is enrolled in a Medicare Advantage plan. Medigap policies, also known as Medicare Supplement Insurance, are designed to fill in the gaps of coverage provided by Original Medicare (Parts A and B). It is important to understand that individuals cannot hold both a Medicare Advantage plan and a Medigap policy at the same time, as these two types of plans serve similar purposes but operate distinctly.

Medicare Advantage plans are an alternative to Original Medicare and often include additional benefits beyond what Medicare covers. Enrolling in a Medigap policy while maintaining Medicare Advantage is not permissible because Medigap is specifically meant to work in conjunction with Original Medicare only.

In terms of the other options, they do not align with the regulatory framework surrounding Medicare. For instance, the notion that it is legal for Jayne to have multiple plans overlooks the incompatibility of holding both a Medicare Advantage and a Medigap plan. The suggestion that she can only enroll during the open enrollment period is misleading, as even during this period, she cannot enroll in a Medigap plan due to already being enrolled in a Medicare Advantage plan. Additionally