State RegulationsFL specificDifficulty 2/5
During the Medicare supplement open enrollment period in Florida, what may an insurer do about the applicant's health status?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.6741, during the 6-month open enrollment period a Medicare supplement insurer must issue coverage to an eligible applicant regardless of health status — no declination, no health-based premium rating. This guaranteed-issue protection is the entire point of open enrollment: seniors get one window in which age and health cannot be held against them. Preexisting exclusions are also limited by statute during this coverage.
Why the other options are wrong
- A) During open enrollment the insurer may not decline a Med Supp application for health reasons.
- B) Health-based premium rating is prohibited during the open enrollment period.
- D) Preexisting exclusions are strictly limited in duration; unlimited exclusions are not permitted in Med Supp policies.
Memory hook
Open enrollment = open door, no health questions.