Which statement is true about Medicare supplements?

Medicare supplements, also known as Medigap plans, are designed to help cover the out-of-pocket costs that Original Medicare (Parts A and B) does not cover, such as copayments, coinsurance, and deductibles. The correct statement reflects that Medicare supplement insurance allows insured members the flexibility to choose any doctor who accepts Medicare patients. This feature is essential as it provides individuals with the freedom to seek care from a wide range of healthcare providers without being limited to a specific network, which can be a significant advantage when it comes to accessing necessary medical services.

The other statements do not accurately represent the nature of Medicare supplements. While some plans cover many types of expenses, they do not cover all medical expenses not paid by Medicare. Medicare supplements also do not restrict members to a network of doctors; rather, they can visit any provider that accepts Medicare. Lastly, while some benefits may cover certain hospital costs, these plans also provide coverage for outpatient services and other health-related expenses, making the claim that they only cover hospital care too limiting.