What does Medicare Supplemental Health Insurance cover?

• A. Copayments for hospital and outpatient services.
• B. Only prescription drugs outside hospital settings.
• C. Non-Medicaid long-term nursing facility costs.
• D. Emergency evacuation coverage abroad.

Answer: (A)

Medicare Supplemental Health Insurance (Medigap) is designed to pick up the out-of-pocket costs that Original Medicare doesn’t cover. The main benefit is paying the copayments and coinsurance for hospital care (Part A) and outpatient services (Part B), which reduces what you pay when you use those services. It doesn’t provide prescription drug coverage (that’s handled by a separate Part D plan), and it generally doesn’t cover long-term care costs or international emergency evacuation. So the best fit is the coverage of copayments for hospital and outpatient services.