Which of these gaps in Medicare coverage is addressed with Medicare Supplemental Insurance?

• A. Outpatient prescription drugs
• B. Medicare in-hospital deductible
• C. Vision care
• D. Dental care

Answer: (B)

Medicare Supplemental Insurance (Medigap) is designed to pay the gaps in Original Medicare’s cost-sharing for hospital and medical care. A primary gap that Medigap plans commonly cover is the Part A inpatient hospital deductible—the amount you must pay before Medicare begins to pay for a hospital stay. By covering this deductible, Medigap reduces your out-of-pocket costs when you’re hospitalized, which is the central purpose of these plans.

Outpatient prescription drugs are addressed by a separate program (Part D), not Medigap. Vision and dental are not standard gaps covered by Original Medicare, and Medigap generally doesn’t include routine vision or dental coverage.