Medicare Supplement (Medigap) Plans Flashcards
7 cards from real AHIP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Medicare Supplement (Medigap) Plans flashcards as text
What is the primary purpose of Medicare Supplement (Medigap) insurance?
Answer: To pay for costs not covered by Original Medicare, such as copayments and deductibles
Medigap policies help pay for 'gaps' in Original Medicare coverage, such as copayments, coinsurance, and deductibles, but do not replace Medicare.
When does the 6-month Medigap Open Enrollment Period begin for a beneficiary who is 65 or older?
Answer: The month the beneficiary enrolls in Medicare Part B and is 65 or older
The Medigap Open Enrollment Period begins the first month a beneficiary is both enrolled in Medicare Part B and aged 65 or older, lasting 6 months.
How many standardized Medigap plan types are available to most Medicare beneficiaries in the United States?
Answer: 10
There are 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N) available in most states, each offering a defined set of benefits.
Which of the following is TRUE about Medigap policies?
Answer: Each policy covers only one person — spouses each need their own policy
Medigap policies are individual policies — each insured person needs their own plan; coverage does not extend to a spouse.
Which Medigap plans are NO LONGER available to beneficiaries who first became eligible for Medicare on or after January 1, 2020?
Answer: Plan C and Plan F
Plans C and F are unavailable to newly eligible beneficiaries because they cover the Medicare Part B deductible, which was prohibited for new enrollees under MACRA.
Medigap Plan G covers all of the following EXCEPT:
Answer: The Medicare Part B deductible
Plan G covers nearly all Medicare cost-sharing gaps except the Medicare Part B deductible, which is the sole difference from the now-restricted Plan F.
What is the key difference between a Medigap policy and a Medicare Advantage plan?
Answer: Medigap works alongside Original Medicare; Medicare Advantage replaces Original Medicare
Medigap supplements Original Medicare by filling in cost-sharing gaps, while Medicare Advantage is a private plan that replaces Original Medicare entirely.