What is the main reason a Medicare supplement policy is purchased?

AMedicare supplement policy(Medigap) is designed to cover out-of-pocket costs not paid by Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments. The primary reason for purchasing Medigap is tofill the gapsin Medicare coverage, as outlined in Oklahoma’s regulations (Title 36 O.S. § 6217) and federal guidelines (CMS, Medicare & You Handbook). Dental services, long-term care, and prescription drugs are not typically covered by Medigap; these require separate plans (e.g., Medicare Part D for drugs).

Option A: Incorrect. Dental services are not covered by Medigap; they require separate dental insurance.

Option B: Incorrect. Long-term care is not covered by Medigap; it requires LTC insurance.

Option C: Incorrect. Prescription drugs are covered by Medicare Part D, not Medigap.

Option D: Correct. Medigap fills gaps in Medicare Parts A and B coverage.