Sorry, that's not correct. All "medicare supplement" plans are secondary to medicare by definition and law. They used to be called Medigap policies because all they do is cover the gaps, copays and deductibles of medicare. To be sold as a "medicare supplement" they need to comply with the definitions & requirements set by Medicare. All medicare supplements are universally accepted anywhere medicare is accepted, that's a requirement when the provider signs up as a medicare provider.
However, with a medicare advantage policy, you are basically trading your Gov controlled Medicare coverage for a private insurance policy that can cover anything that private company chooses to cover, and yes it is your primary policy because you no longer have medicare coverage. Advantage plans are also frequently geographically limited or network limited.
Some companies purposely try to confuse you with supplement vs advantage as part of their marketing claims, but its apples to oranges, do your homework.
The only exceptions to those are, I believe, Mass and Minn where the state has dictated slightly different rules for medicare policies.
bob_nestor wrote:
In my own experience this isn't entirely correct. There are two basic types of Medicare Supplement plans - those that are primary with Medicare being secondary and vice versa. ....
