Which individual is the best candidate for Medicare Supplement insurance?

• A. Medicaid enrollee
• B. Medicare enrollee
• C. Social Security recipient
• D. HMO subscriber

Answer: (B)

Medicare Supplement insurance is designed to fill gaps in Original Medicare (Part A and Part B) by helping pay deductibles, coinsurance, and copayments. You’re eligible to buy a Medigap policy only if you are enrolled in Medicare Part A and Part B. That means someone who actually has Original Medicare is the right candidate for Medigap coverage.

Options like Medicaid enrollment or being in a Medicare Advantage plan (often labeled as an HMO plan) don’t fit because Medigap plans are intended to work alongside Original Medicare, not replace it or apply to other programs. So the best candidate is the person enrolled in Medicare.