I had a referral call me today . She’s age 60 and on DI and Medicare only . She’s also on her husbands regular insurance . She uses the va for a lot of her drugs and a few drs .Her husbands insurance pays no drs or anything till she hits $2 k . She can’t drop her insurance till April . The Humana RD told me to sell her a mapd as her regular insurance will be the primary and since it pays nothing for the first $2 k she will pay the Humana copays . What I’m asking is how does it work with Medicare , a commercial policy and a mapd ? Also does it matter if she has a mapd with also having the va for some drugs ?