State RegulationsFL specificDifficulty 1/5
A Florida consumer's employer group health coverage terminates. How long is her window to apply for a Medicare supplement policy following the termination of that group coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.6741, when a person's group health coverage terminates, Florida law provides a 2-month window for the person to obtain a Medicare supplement policy. This prevents a consumer from falling into a coverage gap between the end of group coverage and the start of Med Supp coverage. The 6-month figure is the open enrollment and preexisting lookback period, and 30 days is the Med Supp free look — different rules for different purposes.
Why the other options are wrong
- A) Six months is the open enrollment period and the preexisting lookback window, not the group-termination window.
- B) Thirty days is the Med Supp free-look period, not the group coverage termination window.
- D) Ten days is not an enrollment window for Medicare supplement coverage.
Memory hook
Group plan ends? Two months to grab a Med Supp.