Which policy type covers Medicare Part B excess charges?

• A. Long-term care policies
• B. Respite care
• C. Medicare Part A
• D. Medicare Supplemental insurance

Answer: (D)

Part B excess charges are fees that go above Medicare’s approved amount for Part B services, typically charged by providers who don’t accept Medicare assignment. A Medicare Supplemental Insurance policy (Medigap) is designed to fill gaps left by Original Medicare, including coverage for Part B costs beyond what Medicare pays. That makes Medigap the policy type that covers Part B excess charges. The other options don’t address these gaps: long-term care policies cover long-term care services, respite care is caregiver relief, and Medicare Part A covers inpatient hospital care, not Part B excess charges.