What do Medicare Supplement (Medigap) policies primarily help to cover?

Medicare Supplement (Medigap) policies are designed specifically to cover the gaps in coverage provided by Medicare. While Original Medicare covers a variety of healthcare services, it does not pay for all of them completely. Medigap policies help by covering costs such as copayments, coinsurance, and deductibles. This support is crucial for beneficiaries who face out-of-pocket expenses, making healthcare more affordable and accessible.

The other options do not accurately reflect the purpose of Medigap policies. Vision and dental services, for instance, are typically not covered by Medicare at all, and thus Medigap cannot be used for these expenses. Long-term care expenses involve services that extend beyond typical Medicare coverage, which also excludes those from Medigap. Lastly, life insurance provisions fall outside the scope of Medigap, as these policies are strictly focused on health care services. Therefore, Medigap's primary role is indeed to assist in covering healthcare services that Medicare does not fully address.