Which of the following services do Medigap policies typically cover?

Medigap policies, also known as Medicare Supplement Insurance, are designed to help cover some of the out-of-pocket costs that Medicare does not cover. This includes costs such as deductibles, copayments, and coinsurance. When a beneficiary has Medicare, there often remain various financial obligations that they must pay, and Medigap policies specifically fill in these gaps to provide more comprehensive coverage.

For instance, if a patient has Medicare and incurs a hospital bill where Medicare pays a portion, the remaining amount that the patient is responsible for—such as the deductible or any coinsurance—could be covered by a Medigap policy. This is crucial for beneficiaries as it reduces their overall healthcare expenses and provides more predictable healthcare costs.

Other services mentioned, like routine dental exams or cosmetic surgery costs, are generally not covered by Medigap policies, as they are outside the realm of standard medical care that Medicare typically addresses. Hospital admissions are already covered under Medicare, so Medigap would not specifically cover these alone, but rather the associated costs that arise during hospitalization.