A Medigap policy is designed to pay costs associated with Medicare Parts A & B.

• A. Prescription drugs
• B. Hospital services
• C. Long-term care
• D. Medicare Parts A & B

Answer: (D)

Medigap policies are private plans that fill gaps in Original Medicare. The main purpose is to help pay the costs that Medicare Parts A and B don’t fully cover—like inpatient deductibles, coinsurance, and copayments—so beneficiaries have lower out-of-pocket expenses. Prescription drug costs aren’t covered by a Medigap plan; for drugs you’d need a separate Part D plan (or a Medicare Advantage plan that includes drug coverage). Long-term care is also generally not covered by Medigap. To buy Medigap, you must already be enrolled in Medicare Part A and Part B. So the statement that a Medigap policy is designed to pay costs associated with Medicare Parts A & B accurately describes its role as a supplement to Original Medicare.