United Health Coverage (UHC) Medicare Basics Practice Test

Medigap, or Medicare Supplement Insurance, is specifically designed to cover some out-of-pocket costs that Original Medicare (Parts A and B) does not fully pay. This includes expenses like copayments, coinsurance, and deductibles. Essentially, it helps beneficiaries fill the gaps in Medicare coverage, making healthcare costs more manageable.

The option indicating that Medigap covers all medical expenses entirely is incorrect because Medigap plans do not cover every single cost; beneficiaries still have some responsibility for certain expenses. The idea that Medigap provides coverage for long-term care services is also incorrect, as these services are not included under Medigap. Long-term care is typically covered through other means, such as Medicaid or long-term care insurance. Lastly, the assertion that Medigap only covers prescription drugs is misleading since prescription drug coverage is primarily offered through Medicare Part D plans, and not through Medigap policies. This emphasizes that Medigap's role is limited to supplementing Medicare coverage for certain out-of-pocket costs.