Which of the following is true about Medicare Supplement policies?

Medicare Supplement policies, also known as Medigap plans, are specifically designed to help fill the gaps in coverage that the original Medicare program does not cover. One of the key characteristics of these policies is that they require monthly premiums. This is necessary because, in exchange for providing additional coverage—such as copayments, coinsurance, and deductibles—insurance companies charge a premium to manage risk and cover costs.

The requirement for monthly premiums reflects the nature of insurance products, where consumers pay a predictable cost in exchange for financial protection against higher potential healthcare expenses. This financing structure helps sustain the insurance model, providing both the insurer and the insured with a level of financial security.

Other aspects of Medicare Supplement policies reinforce the understanding of B as the correct choice. These policies do not cover all medical expenses, as indicated by the fact that they are designed to complement Medicare rather than replace it entirely. They also do not have a limited duration based on age; rather, they remain in effect as long as the premiums are paid, regardless of the insured's age. Additionally, these policies are not free for subscribers, which directly contradicts the claim that they are always free. Thus, the requirement of monthly premiums is an essential and accurate feature of Medicare Supplement