Which statement best describes the relationship between Medicare Supplements and 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, or Medigap, are designed to fill the gaps in Original Medicare. They coordinate with Parts A and B by paying some of the costs that Medicare doesn’t fully cover, such as deductibles, coinsurance, and copayments. They function as a secondary payer after Medicare has paid its portion, helping to reduce out-of-pocket expenses. They do not replace Parts A and B, and they do not cover Part D (prescription drugs), which requires a separate Part D plan.