A Medicare Supplement policy is required to do which of the following?

• A. Include prescription drug coverage automatically
• B. Offer international coverage
• C. Cover long-term care expenses
• D. Provide a 30-day free-look period

Answer: (D)

Medicare Supplement policies include a 30-day free-look period, which protects buyers by giving them a full refund if they decide the plan isn’t a good fit after purchase. This window typically starts when the policy is delivered or becomes effective, and it lets you review the coverage without commitment. The other options aren’t required features of a Medigap policy: prescription drug coverage isn’t automatic—you’d enroll in a separate Part D plan if you want drug coverage; international coverage isn’t a standard requirement (some plans may offer limited foreign travel emergency benefits but it’s not mandatory); and long-term care expenses aren’t covered by standard Medigap plans.