What is Medigap?

What is Medigap?

• A. Health insurance plans that help pay expenses not covered by Medicare.
• B. A federal-state program for uninsured children and pregnant women whose income is too high for Medicaid but can't afford private insurance.
• C. U.S. government health insurance for military personnel and survivors not eligible for Medicare.
• D. Health Insurance Portability and Accountability Act.

Answer: (A)

Medigap refers to private health insurance plans that exist to cover costs that Original Medicare doesn’t fully pay for, such as deductibles, coinsurance, and copayments. These plans are sold by private insurers and are designed to work with Medicare Part A and Part B, helping reduce out-of-pocket expenses you’d otherwise owe. They may also offer limited foreign travel emergency coverage in some cases. You generally wouldn’t pair Medigap with a Medicare Advantage plan, since they’re alternative ways to get Medicare benefits. The other options describe different programs or laws: one is Medicaid/CHIP-like assistance for low-income individuals, another is military health coverage (TRICARE/CHAMPVA), and the last is a privacy and portability law, not a supplemental plan.

Medigap refers to private health insurance plans that exist to cover costs that Original Medicare doesn’t fully pay for, such as deductibles, coinsurance, and copayments. These plans are sold by private insurers and are designed to work with Medicare Part A and Part B, helping reduce out-of-pocket expenses you’d otherwise owe. They may also offer limited foreign travel emergency coverage in some cases. You generally wouldn’t pair Medigap with a Medicare Advantage plan, since they’re alternative ways to get Medicare benefits.

The other options describe different programs or laws: one is Medicaid/CHIP-like assistance for low-income individuals, another is military health coverage (TRICARE/CHAMPVA), and the last is a privacy and portability law, not a supplemental plan.