Which of the following is considered a benefit of Medigap plans?

Medigap plans, also known as Medicare Supplement Insurance, are specifically designed to help cover certain out-of-pocket costs that Original Medicare (Part A and Part B) does not fully pay for. This can include deductibles, copayments, and coinsurance. Thus, they provide additional financial support, allowing beneficiaries to manage their healthcare expenses more effectively.

The other choices do not accurately describe the nature of Medigap plans. For instance, while it might seem appealing to think Medigap could cover all healthcare costs, they are designed to supplement rather than replace Medicare, so they cannot cover every expense. Medigap plans do not eliminate the need for Medicare, as beneficiaries must remain enrolled in Medicare to have a Medigap policy. Finally, Medigap plans are not free; they require a monthly premium to maintain coverage, which varies based on factors such as the plan chosen and the individual's location. Thus, the benefit of providing additional coverage for specific out-of-pocket costs correctly identifies the primary purpose of Medigap plans.