Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which statement about Medicare Supplement (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 Plan A contains the core benefits that are included in every standardized Medigap plan: the Part A hospital coinsurance, coverage for 365 additional hospital days after Medicare benefits are exhausted, the Part B coinsurance or copayment, the first three pints of blood, and the Part A hospice care coinsurance or copayment. Under California law, carriers that sell Medigap must offer Plan A, and it is the basic benchmark plan for comparison.
Why the other options are wrong
- B) Medigap policies sold after 2006 do not cover prescription drugs; drug coverage comes from Medicare Part D.
- C) Medigap supplements Medicare, never replaces it; beneficiaries must remain enrolled in Medicare Parts A and B.
- D) Medigap cannot be used with Medicare Advantage; a beneficiary in a Medicare Advantage plan cannot buy Medigap to supplement it.
Memory hook
Plan A = the core of all Medigap: Part A coinsurance, 365 extra hospital days, first 3 pints of blood.