Which of the following is a core benefit provided by Medigap policies?

Medigap policies, also known as Medicare Supplement Insurance, are designed to help fill the gaps in coverage provided by Original Medicare (Parts A and B). One of the core benefits of Medigap policies is their provision for coverage related to coinsurance and copayments.

When a beneficiary uses Medicare services, they are often responsible for out-of-pocket costs, such as coinsurance (the portion of costs that must be paid after Medicare pays its share) and copayments (a fixed amount for a service). Medigap policies help alleviate these financial burdens by covering some or all of these expenses, thus providing a significant benefit to enrollees.

In contrast, the other options do not reflect the primary benefits of Medigap policies. For example, vision coverage and prescription drug coverage are not standard offerings of Medigap; these types of coverage generally fall under separate plans or other Medicare options like Medicare Advantage. Home healthcare may be covered under Medicare but typically involves different provisions and is not a core benefit specifically provided by Medigap policies.