Which statements about Medigap are true?

Which statements about Medigap are true?

• A. Medigap covers pharmacy prescriptions; Part D unnecessary
• B. Medigap plans are standardized and identified by letters (Plan A, Plan G, Plan N)
• C. Medigap pays for all medical services beyond Original Medicare
• D. Medigap plans are offered only through the government

Answer: (B)

Medigap is private supplemental coverage that helps pay for costs Original Medicare doesn’t cover, like deductibles and coinsurance. The key point is that Medigap plans are standardized and identified by letter designations, and the benefits tied to a given designation are the same no matter which insurer sells it. That standardization lets people compare plans more easily and know exactly what they’re getting. Medigap does not include prescription drug coverage; you’d enroll in a separate Part D plan if you want drugs covered. It also doesn’t cover every medical service—there are still gaps and some services not covered by Original Medicare remain uncovered by Medigap. And these plans are sold by private insurers, not through the government.

Medigap is private supplemental coverage that helps pay for costs Original Medicare doesn’t cover, like deductibles and coinsurance. The key point is that Medigap plans are standardized and identified by letter designations, and the benefits tied to a given designation are the same no matter which insurer sells it. That standardization lets people compare plans more easily and know exactly what they’re getting. Medigap does not include prescription drug coverage; you’d enroll in a separate Part D plan if you want drugs covered. It also doesn’t cover every medical service—there are still gaps and some services not covered by Original Medicare remain uncovered by Medigap. And these plans are sold by private insurers, not through the government.