What benefit does Medicare Supplemental Insurance provide to beneficiaries?

Medicare Supplemental Insurance, commonly referred to as Medigap, primarily serves to help beneficiaries cover the out-of-pocket costs associated with Original Fee-for-Service (FFS) Medicare. This includes expenses such as deductibles, copayments, and coinsurance, which are not fully covered by Medicare Part A and Part B.

Beneficiaries often face high out-of-pocket costs with Original Medicare, and this insurance plan can fill those gaps, making healthcare more affordable and predictable. It does not replace Medicare; rather, it complements it by providing additional financial support for necessary medical services.

The other options do not accurately represent the role of Medicare Supplemental Insurance. It does not cover all medical expenses in full, as there are limits and coverage specifics in Medigap policies. It also does not focus exclusively on dental services; while some Medigap plans may offer limited coverage for dental, they primarily address gaps in medical expenses. Lastly, the plan is not limited to preventative services either, as it generally covers a broader range of medically necessary treatments rather than just preventive care.