What term describes private policies that cover healthcare services not covered by Medicare Part A or Part B?

• A. Medicare Part A
• B. Medicare Part B
• C. Medicare Part C
• D. Medigap

Answer: (D)

Supplemental private insurance that helps pay the costs Original Medicare doesn’t cover is Medigap. Medigap policies are sold by private companies to fill the gaps in what Part A and Part B pay—things like deductibles, coinsurance, and copayments—reducing your out-of-pocket bills when you have Original Medicare. They are designed to work alongside Medicare, not replace it, and they do not include prescription drug coverage (you’d need a separate Part D plan for drugs). Medicare Advantage (Part C) is a separate private option that combines A and B and may add extra benefits, but it isn’t the same as Medigap.