Georgia Navigator Practice Exam

What kind of insurance does Medigap complement?

1. Medicaid

2. Medicare

3. Employer-provided insurance

4. Health Savings Accounts

The correct answer is: Medicare

Medigap is specifically designed to complement Medicare, which is a federal health insurance program primarily for people aged 65 and older, as well as some younger individuals with disabilities. Medigap policies help fill the "gaps" in coverage that Medicare may leave, such as co-payments, coinsurance, and deductibles. This supplemental insurance is available from private insurance companies and works in conjunction with the original Medicare plan (Part A and Part B) to provide additional financial protection and reduce out-of-pocket costs for beneficiaries. Medigap does not work with Medicaid, employer-provided insurance, or Health Savings Accounts, as its primary purpose is to enhance the benefits offered by Medicare. This is why the correct answer is Medicare, as Medigap specifically addresses the needs of those covered under this program.