A Medicare Supplement policy must not provide benefits that:

A Medicare Supplement policy, often referred to as Medigap, is designed to fill the gaps in coverage that original Medicare does not address. The fundamental principle governing these policies is that they must not duplicate the benefits that Medicare already provides. This ensures that the supplementary coverage enhances the consumer’s healthcare experience without creating redundancy in benefits.

When a Medicare Supplement policy duplicates Medicare benefits, it can lead to confusion and potential overpayment for the insured, as the same services would be covered by both Medicare and the Medigap policy. Therefore, regulations are structured to prevent Medigap plans from offering coverage for services that are already covered by Medicare, maintaining a clear distinction between what Medicare covers and what supplementary policies are designed to cover.

The other options involve concepts that may pertain to various types of insurance but do not directly relate to the core restriction that Medigap policies face concerning benefit duplication. Aligning with complimentary policies or enhancing original Medicare coverage does not conflict with the requirements for Medicare Supplement policies as long as there is no overlap in benefits. Out-of-network benefits are also not inherently problematic for Medicare Supplement policies, as some plans can provide coverage for services outside of Medicare's network, so long as they do not violate the duplication rule.