What do Medigap policies generally not cover?

Medigap policies are designed to supplement Original Medicare by covering certain out-of-pocket costs such as copayments, coinsurance, and deductibles. However, they generally do not provide coverage for long-term care services. Long-term care, which includes services that assist with daily living activities over an extended period, is not part of the benefits that Medigap plans are intended to cover. This distinction is crucial for individuals to understand as they plan for potential healthcare needs in the future.

By contrast, Medigap policies do cover expenses like copayments, coinsurance, and deductibles related to Medicare services, along with some preventive services, which means they fill gaps in Original Medicare coverage. Likewise, while some home health services may be covered under Original Medicare, they're generally not classified as long-term care, and Medigap does not expand upon that coverage.

Focusing on long-term care services, it remains important for consumers to explore specialized policies or alternatives specifically designed to address those needs, such as long-term care insurance, as opposed to relying on Medigap.