What does Medicare Supplement insurance primarily cover?

Medicare Supplement insurance, commonly known as Medigap, is specifically designed to help cover certain out-of-pocket costs that Medicare does not fully pay. This includes costs associated with hospital and medical services such as copayments, deductibles, and coinsurance. For example, while Medicare may cover a significant portion of hospital stays, there are still expenses that the beneficiary is responsible for, and these can be substantial. Medigap policies are intended to fill the gaps in Medicare coverage, providing additional financial protection for those enrolled in Medicare.

The other options do not accurately reflect the primary purpose of Medicare Supplement insurance. Losses from accidental death and dismemberment relate more to life insurance or specific accidental death policies. Loss of income at disability is typically covered under disability insurance, not Medicare Supplement. Dental care services can be partially covered by some Medicare plans, but routine dental care is generally not included in Medigap coverage. Therefore, the focus of Medicare Supplement insurance remains on covering some of the costs associated with hospital and medical services under Medicare.