Certified Senior Advisor (CSA) Practice Test

Medigap policies, also known as Medicare Supplement Insurance, are designed primarily to fill in the gaps left by Original Medicare. This means they help cover costs that Medicare does not fully pay. This includes deductibles, co-insurance, and certain coverage limitations. Seniors often face out-of-pocket costs that can accumulate due to these gaps, making Medigap a valuable financial tool for managing healthcare expenses.

The other options do not accurately represent the purpose of Medigap policies. For instance, Medigap does not provide full coverage for all medical costs (as mentioned in the second option) or replace Medicare (as suggested by the third option); rather, it acts as an addition to Medicare. The fourth option inaccurately suggests that Medigap only covers significant health concerns, while in reality, it addresses a broader scope of expenses related to Medicare services. Medigap is specifically structured to enhance the protection that Medicare beneficiaries receive, making option A the clear and correct answer.