Question

Mrs. Paterson is concerned about the deductibles and co-payments associated with Original Medicare. What can you tell her about Medigap as an option to address this concern? a. If Mrs. Paterson applies during the Medigap open enrollment period, she will have to undergo a medical review to determine if she has a pre-existing condition that would increase the premium for a Medigap policy. b. Medigap plans help beneficiaries cover coinsurance, co-payments, and/or deductibles for medically necessary services. c. All costs not covered by Medicare are covered by some Medigap plans. d. Medigap plans are not sold by private companies and are a government insurance product.

Answer 1

Answer:

b. Medigap plans help beneficiaries cover coinsurance, co-payments, and/or deductibles for medically necessary services.

Explanation:

Medigap represents a set of supplemental insurance policies that are made to work with Medicare. These are private health plans that help pay some of the additional costs associated with traditional Medicare, such as co-insurance. Medigap plans help beneficiaries cover co-insurance, copayments and / or deductibles for necessary medical services. For this reason, Mrs Paterson may be unconcerned about the deductibles and co-payments associated with Original Medicare.