Florida 2-15 Life, Health and Variable Annuity AgentGeneral Knowledge of Health InsuranceEasy
A client, age 70, is enrolled in Medicare Part A and Part B. They are considering a Medicare Supplement policy (Medigap). Which of the following benefits is NOT typically covered by a standard Medigap policy?
- ALong-term care services
- BPart B excess charges
- CSkilled nursing facility coinsurance
- DPart A deductible
Show answer & explanationAnswer & explanation
Correct answer: A. Long-term care services
Standard Medigap policies are designed to cover gaps in Medicare Part A and B, such as deductibles, coinsurance, and excess charges. They do not typically cover long-term care services, vision or dental care, hearing aids, or private-duty nursing.
Why the other options are wrong
- B. Part B excess charges are covered by certain Medigap plans (e.g., F, G).
- C. Skilled nursing facility coinsurance is a common benefit covered by Medigap plans.
- D. Part A deductible is a common benefit covered by many Medigap plans.
Medigap Exclusions
Specific services and expenses that are not covered by standard Medicare Supplement (Medigap) policies.
- Medigap covers gaps in Medicare Part A and B.
- Does NOT cover long-term care, vision, dental, hearing aids, private-duty nursing.
- These exclusions are consistent across all standardized Medigap plans.
Memory trick: Medigap fills holes, but not all of them!