Who is eligible to purchase a Medigap policy?

A Medigap policy, or Medicare Supplement Insurance, is specifically designed to cover gaps in the original Medicare coverage provided under Medicare Part A and Part B. Therefore, eligibility to purchase a Medigap policy is contingent upon being enrolled in both Medicare Part A and Part B. This is essential because Medigap plans work to supplement the costs that are not covered by traditional Medicare, such as deductibles, coinsurance, and copayments.

Individuals under 65 years of age can sometimes have difficulty obtaining Medigap policies unless they have specific qualifying conditions, which might limit their access. Participants in Medicare Part C, or Medicare Advantage plans, are not eligible for Medigap since those plans often fill similar roles in providing coverage. Lastly, while employer health benefits can be a source of health coverage, they do not preclude someone from needing or wanting a Medigap policy but are not a requirement for purchasing one. Therefore, the correct choice indicates that the primary requirement for obtaining a Medigap policy is active enrollment in both Medicare Part A and Part B.