Which statement about Medicare Supplement policy benefits is true?

• A. Benefits must duplicate Medicare benefits
• B. Benefits must exceed Medicare benefits
• C. Benefits may duplicate Medicare benefits
• D. Benefits must not duplicate Medicare benefits

Answer: (D)

Medicare supplements are designed to fill the gaps in what Medicare doesn’t fully cover, coordinating with Medicare as the primary payer. Because of this, the benefits provided by a Medicare Supplement must not duplicate the benefits Medicare already pays. The plan’s value comes from covering remaining cost-sharing (like deductibles, coinsurance, and copayments) or items Medicare doesn’t fully cover, not by duplicating Medicare benefits. This is why the statement that benefits must not duplicate Medicare benefits is the true one.