Can Medigap policies include coverage for prescription drugs?

Medigap policies are designed to supplement Original Medicare by covering certain out-of-pocket costs that Medicare does not fully pay, such as copayments, coinsurance, and deductibles. However, one important aspect to note is that Medigap plans cannot include coverage for prescription drugs. This is a specific rule in the regulation of Medigap policies.

Instead, beneficiaries are encouraged to enroll in a separate Medicare Part D plan if they want prescription drug coverage. This separation of coverage helps clarify the different roles that Original Medicare, Medigap, and Medicare Part D play in a beneficiary's coverage options. By design, the focus of Medigap plans is to assist with costs related to healthcare services rather than directly providing prescription medication coverage.

Thus, the statement that Medigap policies cannot offer drug coverage is accurate and reflects the established guidelines governing these insurance products.