Retiree benefits differ. You should check with the company providing you with retiree benefits before joining a Medicare Advantage Plan.

When you have retiree insurance, your Medicare Advantage Plan pays first, and your retiree coverage pays second. Depending upon the terms of your retiree health plan, it can pay your Medicare Advantage Plan co-pays and deductibles, and even provide additional benefits.

In some cases, you can only can get your retiree benefits when you join a Medicare Advantage Plan with which your former employer contracts.