All of the following costs are covered by a Medicare supplement policy EXCEPT:

• A. Part A inpatient hospital coinsurance after a deductible
• B. Part B coinsurance
• C. Hospice care coinsurance
• D. The first 365 days in a long-term custodial care facility

Answer: (D)

Medigap is designed to pick up the cost-sharing that Medicare leaves behind for covered services, such as hospital coinsurance after the Part A deductible, Part B coinsurance, and hospice care coinsurance. These are the kinds of expenses Medigap plans are intended to help with. However, long-term custodial care costs, like staying in a long-term care facility for custodial care, are not covered by Medicare and are not covered by Medicare supplement policies. That’s why the first year in a long-term custodial care facility is the expense that Medigap does not cover. The other listed costs fall within the types of cost-sharing Medigap is designed to pay.