How does a Medigap plan interact with Original Medicare?

How does a Medigap plan interact with Original Medicare?

• A. It substitutes Original Medicare entirely.
• B. It replaces Part B coverage.
• C. It helps cover some or all of the cost-sharing gaps left by Original Medicare, depending on the plan.
• D. It covers long-term care.

Answer: (C)

Medigap is private supplemental insurance designed to work with Original Medicare. It doesn’t replace Original Medicare or Part B. Instead, after Original Medicare pays its portion, a Medigap policy helps cover the remaining cost-sharing like deductibles, coinsurance, and copayments, and exactly how much it helps depends on the plan you choose. Medigap generally does not cover long-term care and it doesn’t include prescription drug coverage unless you have a separate Part D plan. To use Medigap, you must be enrolled in Original Medicare.

Medigap is private supplemental insurance designed to work with Original Medicare. It doesn’t replace Original Medicare or Part B. Instead, after Original Medicare pays its portion, a Medigap policy helps cover the remaining cost-sharing like deductibles, coinsurance, and copayments, and exactly how much it helps depends on the plan you choose. Medigap generally does not cover long-term care and it doesn’t include prescription drug coverage unless you have a separate Part D plan. To use Medigap, you must be enrolled in Original Medicare.