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Can you have Medicare and Medicare replacement at the same time?: Understanding Your Coverage Options

According to the Centers for Medicare & Medicaid Services, over 50% of eligible Medicare beneficiaries were enrolled in Medicare Advantage plans as of May 2025. This reflects a significant trend towards private plans, but it also raises an important question: **Can you have Medicare and Medicare replacement at the same time?** The short answer is no, because a Medicare replacement plan fundamentally changes how you receive your benefits.