What are Medicare Supplement plans primarily designed to cover?

Medicare Supplement plans, also known as Medigap policies, are primarily designed to cover out-of-pocket expenses that individuals may incur due to gaps in Medicare coverage. These expenses can include costs such as copayments, coinsurance, and deductibles that are not covered by Medicare Parts A and B. By alleviating some of these financial burdens, Medicare Supplement plans provide greater financial security and ease for beneficiaries when accessing healthcare services.

While the other options may relate to various aspects of healthcare or Medicare coverage, they do not accurately reflect the specific purpose of Medicare Supplement plans. For example, while out-of-network providers can be covered under certain circumstances, Medigap plans focus more on filling financial gaps rather than on provider networks. Similarly, routine check-ups may be covered by Medicare itself and do not pertain specifically to the coverage of out-of-pocket expenses that Medigap policies address. Comprehensive health insurance encompasses a broader range of services beyond what Medigap plans specifically aim to cover, which primarily centers on making Medicare more financially manageable for the insured.