Which of the following is NOT a core benefit of Medigap policies?

Medigap policies, also known as Medicare Supplement Insurance, are specifically designed to fill in the gaps of coverage that Original Medicare does not cover. They provide various benefits to help with out-of-pocket costs, such as deductibles, copayments, and coinsurance.

One of the key aspects of Medigap is that it does not cover long-term care expenses. Long-term care includes services such as assistance with daily living activities over an extended period, which typically is not covered by Medigap policies. Instead, these policies focus on covering services related to hospital stays, doctor visits, and some travel emergencies, making long-term care an exception rather than a core benefit.

Understanding the role of Medigap policies clarifies why certain options, like coverage for hospital copayments, coverage for coinsurance for doctors' services, and coverage for foreign travel emergencies, are considered core benefits, while long-term care is excluded from their coverage scope.