Medicare Supplement (Medigap) policies are designed to:

a.Serve as a stand-alone outpatient prescription drug plan that pays for the beneficiary's retail pharmacy purchases
b.Completely replace the beneficiary's Medicare coverage with a private plan that pays claims in its place
c.Pay for long-term custodial care in a nursing home for as long as the beneficiary needs it
d.Help pay costs Medicare leaves to the beneficiary, such as deductibles and coinsurance, using standardized plans

Explicación

Medigap policies supplement Original Medicare by paying some of the out-of-pocket costs Medicare does not, such as deductibles, coinsurance, and copayments, and they are sold as standardized plans so consumers can compare them easily. They do not replace Medicare, are not primarily drug plans, and do not cover long-term custodial care. Medigap works alongside Original Medicare, filling its gaps, and cannot be paired with a Medicare Advantage plan at the same time.

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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)
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