Which of the following statements about Medicare supplement policies is incorrect?

Medicare supplement policies, also known as Medigap plans, are designed to cover costs that Medicare does not fully pay, such as copayments, coinsurance, and deductibles. The correct understanding of these policies establishes that they supplement the benefits provided by Medicare, rather than creating separate conditions for different types of health issues, such as illnesses or accidents.

The statement that Medicare supplement policies can indemnify against illness on a different basis than accidents is incorrect because these policies do not differentiate coverage based on the nature of the claim; they function as an addition to standard Medicare coverage, addressing gaps rather than isolating types of medical events. Medicare supplement plans cover the same set of Medicare-approved services, regardless of whether the medical issue arises from an illness or an accident, reinforcing their role in enhancing Medicare's coverage uniformly.

In contrast, the other statements accurately represent Medicare supplement policies. They indeed provide additional coverage beyond what Medicare offers, they are required to cover essential Medicare services, and there are specific enrollment periods or time frames during which individuals must purchase these policies to guarantee acceptance without medical underwriting.