Which plan is specifically described as Medicare coverage for expenses not paid by Part A or Part B?

Which plan is specifically described as Medicare coverage for expenses not paid by Part A or Part B?

• A. Medicare supplemental plans
• B. HMO
• C. PPO
• D. EPO

Answer: (A)

Medicare leaves gaps in coverage, such as deductibles, coinsurance, and copayments, after Part A and Part B pay their share. Medicare supplemental plans, also called Medigap, are private insurance policies designed specifically to cover those out-of-pocket expenses. They are meant to complement Original Medicare by paying some or all of those gaps, depending on the plan. They do not include prescription drug coverage (that requires a separate Part D plan). Plan types like HMO, PPO, and EPO describe network and delivery structures rather than the purpose of covering Medicare gaps, so they’re not the description that matches coverage for expenses not paid by Part A or Part B.

Medicare leaves gaps in coverage, such as deductibles, coinsurance, and copayments, after Part A and Part B pay their share. Medicare supplemental plans, also called Medigap, are private insurance policies designed specifically to cover those out-of-pocket expenses. They are meant to complement Original Medicare by paying some or all of those gaps, depending on the plan. They do not include prescription drug coverage (that requires a separate Part D plan). Plan types like HMO, PPO, and EPO describe network and delivery structures rather than the purpose of covering Medicare gaps, so they’re not the description that matches coverage for expenses not paid by Part A or Part B.