$39.$ All of the following statements are true EXCEPT:

a$.$ Medicare is an example of a federal entitlement program.

b$.$ Medicare coverage often only covers up to $80\%$ of hospitalization costs; therefore, those over $65$ years of age are often encouraged to purchase supplemental insurance to cover the other $20\%.$

c$.$ The Family and Medical Leave Act, which was signed into law during the Clinton administration, requires all employers with over $100$ employees to grant women a minimum of six months paid maternity leave.

d$.$ Some Americans have been engaging in what is called $$medical tourism$,$ where they travel to developing countries to undergo hip and knee replacements for much reduced costs.