State RegulationsFL specificDifficulty 3/5
A consumer asks a Florida agent how a Medicare Advantage plan differs from original Medicare with a supplement. Which answer is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 627.674, the two arrangements are mutually exclusive ways of covering Medicare's cost-sharing: in a Medicare Advantage plan, a private insurer delivers the Medicare benefits under the plan's own terms and networks (and Medicare supplement coverage may not be sold to the enrollee), while original Medicare paired with a supplement keeps traditional fee-for-service Medicare with the supplement filling the gaps. Advising the consumer on this distinction is central to a suitable recommendation.
Why the other options are wrong
- B) A Medicare supplement is an alternative to Medicare Advantage, not a companion to it.
- C) Medicare Advantage plans are for Medicare-eligible beneficiaries, not for people ineligible for Medicare.
- D) The arrangements differ fundamentally in how benefits are delivered and whether a supplement can be added.
Memory hook
MA = one private package; original + supplement = Medicare plus a gap filler.