Final answer:
Michael cannot join a Medigap plan as it requires enrollment in both Medicare Part A and Part B. He currently only has Part A, and thus, is not eligible for a Medigap plan.
Step-by-step explanation:
Michael wants to join a Medigap plan, but he only has Medicare Part A and not Part B. According to the stipulations of Medigap policies, individuals must have both Medicare Part A and Part B to join a Medigap plan. Therefore, the answer to whether Michael can join a Medigap plan is B) No. Medigap, also known as Medicare Supplement Insurance, helps cover some of the healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles.
Medicare Part A covers hospital charges and is funded by payroll deductions. In contrast, Medicare Part B is an optional insurance system that covers health-care costs outside of hospital stays, including physician services, medical tests, and outpatient visits, with participants paying a monthly fee.
Medicare and Medigap Eligibility
To be eligible for Medigap, an individual must enroll in Medicare Part B. Without it, one cannot get a Medigap policy. This makes it essential for those considering additional coverage to enroll in both parts of Medicare during their enrollment period.