What is the primary function of Medigap insurance?

Medigap insurance primarily serves to cover costs that Medicare does not pay. This supplemental insurance is designed to fill the gaps in Medicare coverage, such as out-of-pocket expenses like copayments, coinsurance, and deductibles. By helping to pay these additional costs, Medigap can reduce the financial burden on individuals who are already enrolled in Medicare, allowing for more comprehensive healthcare access without incurring excessive expenses.

The other options do not accurately reflect Medigap's purpose. For instance, while it complements Medicare, it does not replace it entirely, which is why some individuals believe that Medigap operates as a form of complete replacement; this understanding is incorrect. Additionally, Medigap is specifically for individuals already holding Medicare and does not target specific populations like the unemployed, nor does it cover long-term care services, which is a different area of healthcare insurance focused on extended support rather than immediate medical expenses.