A Medicare Supplement policy must not contain benefits that duplicate Medicare benefits.

• A. Travel benefits
• B. Duplicate Medicare benefits
• C. Cosmetic benefits
• D. Emergency benefits

Answer: (B)

Medicare Supplement policies are intended to fill gaps in what Medicare pays, not to pay for the same benefits Medicare already covers. If a plan included benefits that duplicate Medicare benefits, there would be little added value for the insured and potential duplication of coverage. Because the goal is to complement Medicare, these policies must avoid duplicating Medicare’s benefits and instead cover costs Medicare doesn’t fully pay (like deductibles, coinsurance, and copays, plus non-covered services in some cases). That’s why the correct concept is “duplicate Medicare benefits.” The other options describe various types of benefits a Medigap plan might offer, but they don’t capture the rule against duplicating Medicare coverage.