What type of services typically are not covered by Medigap policies?

Medigap policies are specifically designed to help cover some of the healthcare costs that Original Medicare does not pay, such as copayments, coinsurance, and deductibles. However, there are specific types of services that Medigap policies do not cover, and long-term care services are one of those exclusions.

Long-term care involves a variety of services designed to help individuals who have chronic illnesses or disabilities. These services may include assistance with daily activities such as bathing, dressing, and meal preparation, and they are typically provided in home care settings, assisted living facilities, or nursing homes. Due to the focus of Medigap policies on medical costs under Original Medicare rather than custodial care, these long-term care services are not included in Medigap coverage.

In contrast, other types of services, such as emergency room visits, outpatient surgery costs, and preventive care screenings, can be covered by Medigap policies depending on the specific plan and the circumstances of the care received, as they align more closely with the medical costs that Medigap strives to supplement.