State RegulationsFL specificDifficulty 2/5
A Florida consumer with a Medicare supplement policy asks whether the plan will pay her hospital bills in full in addition to Medicare. What is the correct answer?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 627.674, a Medicare supplement policy supplements Medicare: for covered services, it picks up the cost-sharing — deductibles, coinsurance, and copayments — that original Medicare leaves to the patient. It does not double-pay hospital bills on top of Medicare, because duplication of benefits is precisely what Med Supp coverage is structured to avoid. This is why owning two supplement policies adds nothing.
Why the other options are wrong
- B) Medicare supplement policies do not double-pay bills; they fill the cost-sharing gaps Medicare leaves.
- C) The supplement's function is not tied to Medicare denials; it follows Medicare's payments on covered services.
- D) Medicare supplement policies pay no cash dividends; they pay defined cost-sharing benefits.
Memory hook
Supplement fills the gap — never double-pays the bill.