Medicare & Senior InsuranceQuestion 673 of 716
A Medigap policy is designed to:
a.Replace Medicare entirely and serve as the beneficiary's sole source of both hospital and physician coverage from that point forward
b.Fully cover custodial long-term care
c.Pay some of Medicare's cost-sharing, such as deductibles and coinsurance, without duplicating benefits Medicare already pays
d.Provide drug coverage in place of Part D
Explanation
Medigap fills gaps in Original Medicare, like deductibles and coinsurance, and by law cannot duplicate benefits Medicare pays. It does not replace Medicare, substitute for Part D, or cover long-term custodial care.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)