AHIP Medicare Supplement (Medigap) Plans

Question 1

What is the primary purpose of Medicare Supplement (Medigap) insurance?

Accepted Answer

To pay for costs not covered by Original Medicare, such as copayments and deductibles

Answer

To replace Original Medicare with private coverage

Answer

To provide standalone prescription drug coverage

Answer

To cover long-term care and custodial services

Question 2

When does the 6-month Medigap Open Enrollment Period begin for a beneficiary who is 65 or older?

Accepted Answer

The month the beneficiary enrolls in Medicare Part B and is 65 or older

Answer

The month the beneficiary turns 65

Answer

January 1 of the year the beneficiary turns 65

Answer

The month the beneficiary first enrolls in Medicare Part A

Question 3

How many standardized Medigap plan types are available to most Medicare beneficiaries in the United States?

Accepted Answer

10

Answer

8

Answer

12

Answer

15

Question 4

Which of the following is TRUE about Medigap policies?

Accepted Answer

Each policy covers only one person — spouses each need their own policy

Answer

They can be used simultaneously with a Medicare Advantage plan

Answer

They automatically include Medicare Part D prescription drug coverage

Answer

They are sold and administered directly by the federal government

Question 5

Which Medigap plans are NO LONGER available to beneficiaries who first became eligible for Medicare on or after January 1, 2020?

Accepted Answer

Plan C and Plan F

Answer

Plan G and Plan N

Answer

Plan A and Plan B

Answer

Plan K and Plan L

Question 6

Medigap Plan G covers all of the following EXCEPT:

Accepted Answer

The Medicare Part B deductible

Answer

Medicare Part A coinsurance and hospital costs

Answer

Medicare Part B coinsurance or copayment

Answer

Foreign travel emergency care up to plan limits

Question 7

What is the key difference between a Medigap policy and a Medicare Advantage plan?

Accepted Answer

Medigap works alongside Original Medicare; Medicare Advantage replaces Original Medicare

Answer

Medicare Advantage is offered by private insurers; Medigap is administered by the federal government

Answer

Medigap covers prescription drugs; Medicare Advantage does not

Answer

Medicare Advantage is only available to beneficiaries over age 70