AHIP Fraud, Waste, and Abuse (FWA) Practice Exam 2026 - Free FWA Practice Questions and Study Guide

Beneficiaries can expect Medigap plans to provide additional benefits that Original Medicare does not cover. Medigap, or Medicare Supplement Insurance, is designed specifically to fill the gaps in coverage that Medicare leaves, such as out-of-pocket costs for coinsurance, copayments, and deductibles. This means that for services covered by Medicare, Medigap plans can help minimize or eliminate the financial burden that beneficiaries may face.

The key purpose of Medigap is to enhance the financial protection for beneficiaries, allowing them to have access to necessary healthcare services without incurring overwhelming costs. This characteristic is vital for many seniors who rely on Medicare as their primary health coverage.

The other options do not accurately describe Medigap plans. For instance, they do coordinate with Medicare, so the idea that they are fully independent is misleading. Medigap plans can't be used to waive Part B premiums, as beneficiaries still must pay those premiums regardless of their Medigap coverage. Lastly, Medigap plans are intended to cover services covered by Medicare, rather than focusing solely on non-Medicare services.