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

解析

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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