What is Medigap?

• A. A private plan for prescription drugs.
• B. A program that covers mental health services.
• C. Supplemental insurance that helps pay Medicare costs like copays and deductibles.
• D. A plan that only covers long-term care.

Answer: (C)

Medigap is supplemental coverage sold by private companies to Original Medicare. It helps pay the costs that Medicare doesn’t cover fully, such as deductibles, copayments, and coinsurance, so your out-of-pocket costs are reduced when you use Medicare-covered services. You still rely on Part A and Part B as your primary coverage, and Medigap doesn’t usually include prescription drug coverage (that’s Part D) or long-term care, and it isn’t dedicated to one specific service like mental health. The idea is to fill the gaps in Medicare's cost-sharing, making out-of-pocket expenses more predictable.