Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which statement correctly describes Medigap (Medicare Supplement) insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medigap is private insurance that supplements Original Medicare by covering some of its gaps — the Part B 20%, deductibles, and coinsurance. The federal government standardizes the benefit packages (currently Plans A, B, C, D, F, G, K, L, M, N; older plans E, H, I, J are closed to new purchasers), and California law enforces the 'one Medigap policy per person' rule. Medigap does not coordinate with Medicare Advantage, and it does not cover custodial long-term care.
Why the other options are wrong
- B) A beneficiary generally cannot have both Medigap and Medicare Advantage; the law treats them as alternative coverage paths and they do not coordinate.
- C) Medigap is sold and administered by private insurers, not the government; Original Medicare is the government-administered piece.
- D) Medigap policies do not cover custodial long-term care; that is what LTC insurance and, after spend-down, Medi-Cal address.
Memory hook
Medigap = the gap-filler for Original Medicare only. One policy, standardized letters A-N, and never a companion to MA.