Mrs. Gonzalez is

Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well, but it provides no drug coverage. She would like to keep the coverage she has but replace her existing Medigap plan with one that provides drug coverage. What should you tell her?

Select one:

a. Mrs. Gonzalez should purchase a K or L Medigap plan.

b. Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her Medigap policy and enroll in a Part D prescription drug plan.

c. Mrs. Gonzalez can purchase a Medigap plan that covers drugs, but it likely won’t offer coverage that is equivalent to that provided under Part D.

d. Medigap is a replacement for Original Medicare and she has been paying for double coverage. She should simply drop her Medigap policy.

b. Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her Medigap policy and enroll in a Part D prescription drug plan.

Medigap plans (also known as Medicare Supplement plans) are designed to work alongside Original Medicare and provide additional coverage for out-of-pocket costs like deductibles, copayments, and coinsurance. However, Medigap plans do not include prescription drug coverage.

To get prescription drug coverage, Mrs. Gonzalez can enroll in a Part D prescription drug plan, which is a separate plan that specifically covers prescription medications. By keeping her Medigap policy and enrolling in a Part D plan, she can maintain the coverage she has while also getting coverage for her prescription drugs.

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