Which statement best describes how Medicare Supplements coordinate with Parts A and B?

• A. They fill gaps and coordinate with Parts A and B
• B. They replace Parts A and B
• C. They pay before Part A and B
• D. They only cover Part D

Answer: (A)

Medicare Supplements (Medigap) are designed to work alongside Original Medicare by paying the costs that Parts A and B don’t cover, such as deductibles, coinsurance, and copayments. They coordinate with Parts A and B by paying after Medicare has processed its benefits and only to the extent the plan covers, effectively filling the gaps rather than replacing Medicare. They do not pay before Medicare, and they do not replace Parts A and B. They also don’t provide standalone Part D prescription drug coverage—that requires a separate Part D plan. So the correct concept is that Medigap fills gaps and coordinates with Parts A and B.