Which of the following is a purpose of a Medigap policy?

The purpose of a Medigap policy is to fill in the "gaps" in original Medicare coverage. Original Medicare (Parts A and B) covers a variety of healthcare services but may leave beneficiaries responsible for certain out-of-pocket costs, such as copayments, coinsurance, and deductibles. Medigap policies are designed to help cover these additional expenses, thereby reducing the financial burden on beneficiaries.

By providing coverage for these gaps, Medigap policies enhance the overall healthcare coverage that seniors and disabled individuals receive under Medicare, helping to facilitate access to necessary medical services without prohibitive costs. This makes the correct answer particularly relevant for understanding how Medigap policies function as a supplemental insurance option.

The other options refer to scenarios that are not correct regarding the role of Medigap policies. For instance, they do not completely replace Medicare, provide Medicaid-related coverage, or offer free healthcare services, as these would misrepresent the primary objective and nature of Medigap insurance.