Under California law, an insurer that offers Medigap policies must offer which combination to eligible applicants?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law requires every Medigap insurer to offer Medigap Plan A — the core benefit package that all standardized Medigap plans include — plus either Plan C or Plan F (CIC Sections 10192.8 and 10192.10). This ensures consumers always have access to a basic, affordable gap-filling policy and a more comprehensive classic option. The requirement is a distinctly California Medigap market rule tested on the A&H exam. The core benefits of Plan A include the Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted, plus Part B coinsurance — the basic gap every Medicare beneficiary needs filled.
Why the other options are wrong
- B) Insurers must offer Plan A, the most basic standardized plan, rather than only the most expensive plan.
- C) Plan N alone does not satisfy the statutory offer requirement; the insurer must offer Plan A plus either Plan C or Plan F.
- D) Medigap and Medicare Advantage are separate products; Medigap may be sold without any Medicare Advantage tie-in.
Memory hook
In California, Medigap menus must always show Plan A, plus a C or an F. The basics plus a classic gap-filler.