Medicare supplemental insurance, also known as Medigap, primarily helps with what?

Medicare supplemental insurance, or Medigap, is designed specifically to fill the gaps left by Medicare. This includes covering out-of-pocket costs such as deductibles, copayments, and coinsurance that beneficiaries may incur when receiving care. Medicare usually covers a significant portion of medical costs, but there are still many instances where beneficiaries must pay additional expenses. Medigap policies help alleviate these financial burdens, allowing individuals to better manage their healthcare expenses.

While the other options may involve aspects of healthcare coverage, they do not directly reflect the primary function of Medigap. For instance, it does not cover the cost of insurance premiums, long-term care services, or provide dental and vision coverage as its core purpose. Understanding this aspect of Medigap confirms its critical role in helping seniors and disabled individuals manage their Medicare costs effectively.