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

Medigap policies, also known as Medicare Supplement Insurance, are designed to help cover some of the costs that Medicare does not fully pay, such as copayments, coinsurance, and deductibles. However, certain types of services are specifically excluded from coverage under Medigap policies.

Long-term care services are a notable example of such exclusions. These services include assistance with daily living activities, such as bathing, dressing, and eating, which are generally provided in nursing homes or through home health care. Medigap policies do not cover these long-term care services because they are primarily intended to supplement Medicare’s coverage of acute care rather than provide comprehensive ongoing assistance for chronic conditions.

In contrast, emergency room visits, outpatient surgery costs, and preventive care screenings may still be associated with costs that Medigap can help cover, depending on the specific policy and how it relates to Medicare coverage. This distinction helps clarify why long-term care services are treated separately and not included in Medigap coverage.