This is really worth looking into! I am currently on Medigap Part G, and it seems to me judging by the verbiage in this document that I could sign up for the IBM Essential Plan at a 0 premium, and then use the freed-up HRA money to pay the Medigap premiums! I realize that I can’t use the Medigap plan while I am using the Advantage plan, but that seems like a small price to pay for freeing up my considerable HRA funds.
Anyone see a problem with this, or know of a rock-solid authority I can contact to get “permission” to do this in writing?
