Difficulty: Easy

Average Score: 88%

A Medicare Supplement policy must NOT contain benefits which

Rationale

A Medicare Supplement policy must NOT duplicate Medicare benefits.

A Medicare Supplement policy, also known as Medigap, is designed to cover certain costs that Medicare itself does not cover. However, these policies cannot provide benefits that are already included in Medicare coverage, ensuring that policyholders do not receive unnecessary duplication of coverage.

A (charge additional premiums.) YOUR ANSWER

While Medicare Supplement policies do charge premiums, this does not violate any regulations. In fact, it is standard for these plans to require additional premium payments beyond what is covered by Medicare. Therefore, this choice does not accurately reflect a prohibited benefit within Medigap policies.

B (duplicate Medicare benefits.) CORRECT

Duplicating Medicare benefits is explicitly prohibited under federal regulations governing Medicare Supplement policies. These plans are intended to complement Medicare coverage, not replicate it, which ensures that beneficiaries are not paying for unnecessary overlapping services.

C (cover more than Medicare coverage.) YOUR ANSWER

Medicare Supplement policies can provide additional benefits beyond what Medicare covers, such as copayments, coinsurance, and deductibles. Therefore, this option does not represent a prohibited feature, as Medigap plans often enhance the coverage available through Medicare.

D (are covered by Workers Compensation.) YOUR ANSWER

Coverage for services related to Workers Compensation is not included in Medicare Supplement policies, but this does not mean that such coverage is disallowed in general. Medigap policies are not meant to cover work-related injuries; however, this does not constitute a prohibition against providing other benefits.

Conclusion

Medicare Supplement policies must adhere to strict regulations that prohibit them from duplicating Medicare benefits. This ensures that the coverage provided is genuinely supplementary and not redundant. Other choices presented do not accurately reflect constraints on what benefits can be included, as they either allow for additional coverage or do not address the purpose of Medigap policies.

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