Medicare supplement policies typically exclude coverage for custodial long-term care beyond a certain period.

Medicare supplement policies typically exclude coverage for custodial long-term care beyond a certain period.

• A. Fully covered
• B. Not specified
• C. Not covered
• D. Covered after 365 days

Answer: (C)

Medigap plans are meant to fill Medicare’s gaps for medically necessary services and cost-sharing, not to insure long-term care. Custodial long-term care—help with daily activities that isn’t medical treatment—is not covered by Medicare, and standard Medigap policies don’t add this coverage. They can pay for deductibles, coinsurance, and copayments for Medicare-covered services, but they don’t provide ongoing custodial care coverage. So when the question notes coverage would extend beyond a set period for custodial care, the correct idea is that it is not covered. If long-term custodial care is a concern, you’d look to a separate long-term care insurance policy or potential Medicaid eligibility, not a Medigap plan.

Medigap plans are meant to fill Medicare’s gaps for medically necessary services and cost-sharing, not to insure long-term care. Custodial long-term care—help with daily activities that isn’t medical treatment—is not covered by Medicare, and standard Medigap policies don’t add this coverage. They can pay for deductibles, coinsurance, and copayments for Medicare-covered services, but they don’t provide ongoing custodial care coverage. So when the question notes coverage would extend beyond a set period for custodial care, the correct idea is that it is not covered. If long-term custodial care is a concern, you’d look to a separate long-term care insurance policy or potential Medicaid eligibility, not a Medigap plan.