A Georgia health insurance advertisement implies that a policy is 'approved and endorsed by Medicare.' Under O.C.G.A. § 33-6-4(b)(12)(A), this is prohibited because:

Why B is correct

O.C.G.A. § 33-6-4(b)(12)(A) prohibits misrepresenting an affiliation with, or endorsement by, Medicare or a government agency. Suggesting that a private policy carries Medicare's approval misleads consumers about the product's nature and borrows the credibility of a federal program the insurer does not have. Insurers may name Medicare accurately when describing Medicare supplement coverage, but implying government endorsement crosses into misrepresentation.

Why the other options are wrong

• A) Medicare does not bar insurers from advertising; the prohibition targets false affiliation claims, not advertising itself.
• C) Other health policies may be advertised; the rule restricts misleading endorsement claims, not the existence of advertisements.
• D) The word Medicare may be used accurately, for example in Medicare supplement advertising; the violation is the implied endorsement.

Memory hook

Medicare's name is not your endorsement.