If purchasing a Medigap Supplement plan rather than an Advantage plan, you will need to purchase a stand along Part D Prescription drug plan, whether you take prescription drugs or not. You must have and continue with what is know as “continuous credible coverage”. This can be purchased from a different company or carrier than the one you purchase your supplement from, hence the term “stand alone”. You want to purchase the least expensive option available that covers all of the prescriptions and review this on an annual basis.

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    Todd Olejniczak
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