State RegulationsAZ specificDifficulty 1/5
Which description best fits a Medicare supplement (Medigap) policy as that product is understood under Arizona insurance law?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Arizona insurance law as administered by the Arizona Department of Insurance and Financial Institutions (DIFI), a Medicare supplement policy is private coverage that fills gaps in Medicare by paying certain health costs Medicare does not cover. It supplements the federal Medicare program — it neither replaces that program nor provides long-term care or disability income benefits.
Why the other options are wrong
- A) A Medigap policy works alongside Medicare, not in place of it; the federal program remains the primary coverage.
- B) Extended custodial care is the domain of long-term care insurance, not of a Medicare supplement policy.
- D) Disability income is a separate line of coverage; a Medigap policy fills gaps in Medicare instead.
Memory hook
Medigap fills Medicare's gaps — nothing more, nothing less.