Yes, you may keep it. However, a Medigap policy only works with the Original Medicare Plan. If you join a Medicare Advantage Plan (like an HMO or PPO), you generally don’t need (and can’t use) a Medigap policy. You may want to drop your Medigap policy if you join a Medicare Advantage Plan, but you should talk to your Medigap insurance company before you do. If you already have a Medicare Advantage Plan, it is illegal for anyone to sell you a Medigap policy unless you are switching back to the Original Medicare Plan.
