FPGEE for National Association of Boards of Pharmacy (NABP) Practice Exam 2026 - Free NABP Practice Questions and Study Guide

Medigap insurance, also known as Medicare Supplement Insurance, is designed to cover certain out-of-pocket costs that original Medicare does not fully pay. These typically include co-payments, coinsurance, and deductibles.

Long-term care (LTC) is not covered by Medigap insurance. This type of care encompasses a range of services for individuals who need assistance with daily living activities due to chronic illness or disability. It often involves extended care in nursing facilities or assisted living, which goes beyond the scope of services for which Medigap policies are intended. Medigap primarily focuses on filling the gaps in Medicare coverage for medical services while long-term care often requires separate insurance policies or programs specifically tailored for those needs.

In contrast, the other options relate directly to medical expenses covered under Medicare or its supplementary policies. The difference in medical charge and Medicare payment, emergency medical transportation costs, and in-patient hospital care are all components related to health services that Medigap can help offset.