Which of the following options is NOT a feature of Medicare supplements?

The correct choice reflects a fundamental aspect of Medicare supplement plans, commonly referred to as Medigap. These plans are designed specifically to cover costs that Medicare doesn’t fully pay, such as co-payments, deductibles, and out-of-pocket expenses. However, the feature of having direct access to specialists is not included in the benefits of Medicare supplements.

Medicare Supplement plans work alongside original Medicare to fill in the gaps in coverage, but they do not grant direct access to specialists. Access to specialists typically depends on other components of healthcare coverage, such as Medicare Advantage plans, which may have different rules regarding referrals and network providers. The structure and purpose of Medicare supplements primarily focus on helping beneficiaries manage their out-of-pocket healthcare costs associated with services covered by Medicare.