What is the primary purpose of Medigap?

What is the primary purpose of Medigap?

• A. To cover all prescription drug costs
• B. To pay for gaps in cost sharing under Original Medicare
• C. To provide additional hospital beds
• D. To offer dental and vision benefits

Answer: (B)

Medigap is designed to pick up the out-of-pocket costs that Original Medicare doesn’t fully cover. It helps pay deductibles, coinsurance, and copayments for Part A and Part B services, reducing what you pay out of pocket. It does not cover prescription drugs (that’s handled by standalone Part D), and it doesn’t add hospital beds or provide routine dental and vision benefits. In short, its primary purpose is to fill the gaps in cost sharing under Original Medicare.

Medigap is designed to pick up the out-of-pocket costs that Original Medicare doesn’t fully cover. It helps pay deductibles, coinsurance, and copayments for Part A and Part B services, reducing what you pay out of pocket. It does not cover prescription drugs (that’s handled by standalone Part D), and it doesn’t add hospital beds or provide routine dental and vision benefits. In short, its primary purpose is to fill the gaps in cost sharing under Original Medicare.