Which statement about Medigap Plan A is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medigap policies are federally standardized into plans A through N, and Plan A is the base plan: it covers the core benefits that every Medigap policy must include, such as the Part A coinsurance and hospital costs plus an additional 365 lifetime hospital days, the Part B coinsurance (the 20% share), the first three pints of blood, and the Part A hospice care coinsurance. Other plans add benefits on top of this core. Medigap policies sold to new beneficiaries since 2006 may not cover prescription drugs, and Medigap supplements Original Medicare rather than replacing it as Medicare Advantage does.
Why the other options are wrong
- B) Medigap has multiple standardized plans (A through N), not just Plan A.
- C) Medigap sold to new enrollees cannot include prescription drug coverage.
- D) Plan A supplements Original Medicare; Medicare Advantage is a separate Part C program.
Memory hook
Plan A is the core skeleton every standardized Medigap policy must carry.