How do Medigap plans assist beneficiaries like Mrs. Paterson concerning costs?

Medigap plans, also known as Medicare Supplement Insurance, are designed specifically to work in conjunction with Original Medicare (Parts A and B) to reduce out-of-pocket expenses for beneficiaries. They provide a range of coverage options that help pay for costs that Original Medicare does not fully cover, such as copayments, coinsurance, and deductibles.

By coordinating with Original Medicare, Medigap plans ensure that beneficiaries like Mrs. Paterson receive assistance with costs that they would otherwise be responsible for. This coordination not only enhances access to necessary healthcare services but also provides financial relief, making healthcare more affordable and manageable.

The nature of Medigap coverage is to fill in the gaps left by Original Medicare rather than to replace or duplicate services. Therefore, the option regarding the elimination of all out-of-pocket costs or covering all Medicare services without limitations does not accurately reflect the function of Medigap plans. Additionally, while some Medigap plans might provide some limited additional benefits, such as vision or dental, this is not a primary aspect of their function.