Question

multiple choice question

some patients have a \fill-the-gap\ insurance or ________ insurance.

• supplemental
• primary
• additional
• benefit

Explanation:

Define fill-the-gap insurance

"Fill-the-gap" insurance is designed to cover out-of-pocket expenses that primary health plans do not pay, such as deductibles, copayments, and coinsurance.

Identify the correct term

In healthcare administration and medical billing, policies that cover these remaining out-of-pocket expenses are formally referred to as supplemental insurance policies (such as Medigap for Medicare patients).

Evaluate the options

• supplemental: Correct. It directly covers the "gaps" left by primary insurance.
• primary: Incorrect. Primary Insurance is the policy billed first for medical services.
• additional: Incorrect. While it is extra coverage, "additional" is not the standard industry term for gap-filling policies.
• benefit: Incorrect. A benefit refers to the specific services or items covered under a health plan, not a type of policy.

Answer:

• supplemental (Correct answer)
• primary
• additional
• benefit