What does a Medigap policy primarily cover?

A Medigap policy is designed to cover medical costs that Medicare does not fully pay for. This typically includes co-payments, deductibles, and coinsurance that beneficiaries would otherwise be responsible for after Medicare has processed a claim. Medigap policies help fill the gaps in Original Medicare coverage, providing additional financial security for beneficiaries against out-of-pocket medical expenses.

Preventive care services are generally covered under Medicare Part B without the need for a Medigap policy. Long-term rehabilitation expenses and home health services can also have separate coverage options under Medicare, but they do not fall under the primary purpose of Medigap policies, which is to cover costs that Medicare does not. Therefore, the focus of a Medigap policy is specifically on covering these remaining medical expenses that Medicare leaves behind, making the choice of medical costs not paid by Medicare the correct answer.