Medigap Ethics | Questions and Answers
2025/2026
True or false: A Medigap False
policy may contain
benefits that duplicate
those provided by
Medicare.
True or false: A Medigap policy False, Medigap is prohibited from covering prescription drugs
may contain coverage for
outpatient prescription
drugs
True or false: A Medigap policy True, they must pay the same.
may not pay benefits for
losses resulting from
sickness on a different basis
from those resulting from
accidents
True or false: A Medigap True, one person can keep the plan if they want it
policy may not terminate
coverage on an insured's
spouse solely because
coverage may be
terminated on the insured
True or false: A Medigap False
policy may exclude or limit
benefits for losses that occur
more than six months after the
policy goes into effect
because of a pre-existing
condition
True or false: A Medigap policy False, it can be no more restrictive then as stated
may define "pre-existing
condition" as restricting more
then just a condition for
which medical advice or
treatment was recommended
, or provided by a physician
within the six- month period
before the policy went into
effect
2025/2026
True or false: A Medigap False
policy may contain
benefits that duplicate
those provided by
Medicare.
True or false: A Medigap policy False, Medigap is prohibited from covering prescription drugs
may contain coverage for
outpatient prescription
drugs
True or false: A Medigap policy True, they must pay the same.
may not pay benefits for
losses resulting from
sickness on a different basis
from those resulting from
accidents
True or false: A Medigap True, one person can keep the plan if they want it
policy may not terminate
coverage on an insured's
spouse solely because
coverage may be
terminated on the insured
True or false: A Medigap False
policy may exclude or limit
benefits for losses that occur
more than six months after the
policy goes into effect
because of a pre-existing
condition
True or false: A Medigap policy False, it can be no more restrictive then as stated
may define "pre-existing
condition" as restricting more
then just a condition for
which medical advice or
treatment was recommended
, or provided by a physician
within the six- month period
before the policy went into
effect
