Which statement correctly describes Medigap Plan A?
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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 benefit plans designated Plan A through Plan N. Plan A provides the basic or core set of benefits that every Medigap plan must include, such as the Part A coinsurance and hospital costs, the Part A hospice care coinsurance or copayment, the Part A skilled nursing facility coinsurance, the Part B coinsurance or copayment, and the first three pints of blood. Insurers selling Medigap must offer Plan A. Other letters add benefits on top of this core, but none of them cover outpatient prescription drugs, which are left to Part D, or routine dental and vision care.
Why the other options are wrong
- B) Medigap policies sold to new enrollees do not cover prescription drugs; outpatient drugs are the province of Medicare Part D.
- C) Routine dental and vision care are not Medigap benefits; Medigap fills the gaps in Medicare cost-sharing, not excluded routine services.
- D) Only plans that cover the Part B deductible, such as the now-restricted Plan C and Plan F, pay it; Plan A does not.
Memory hook
Plan A is the core kit every Medigap must carry; the other letters just add extras.