Which individual would be best suited for Medicare Supplement insurance?

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

Answer: (B)

Medicare Supplement insurance is private coverage that pays for many of the out-of-pocket costs that Original Medicare doesn’t cover, such as deductibles, coinsurance, and copayments. It’s designed to work with Original Medicare (Part A and Part B). To buy a Medigap policy, you must first be enrolled in Medicare Part A and Part B. That makes someone who is already a Medicare enrollee the best fit.

Medicaid enrollees already have coverage through Medicaid and typically don’t use Medigap in the same way. A person in a Medicare Advantage plan (an HMO-type plan) generally doesn’t pair Medigap with that coverage. Simply being a Social Security recipient doesn’t guarantee Medicare enrollment. The key factor is being enrolled in Medicare, which is why a Medicare enrollee is the appropriate candidate for Medicare Supplement insurance.