State RegulationsMI specificDifficulty 1/5
The primary purpose of a Medicare supplement (Medigap) policy sold in Michigan is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Michigan's Medicare supplement chapter (M.C.L. 500.3803 to 500.3835 and 500.3839 to 500.3861) governs policies designed to fill the gaps in Medicare coverage — the coinsurance, copayments, and deductibles Medicare leaves the beneficiary to pay. The product supplements Medicare; it does not replace or substitute for it, and it is not a long-term care product.
Why the other options are wrong
- A) A Medicare supplement fills gaps in Medicare; it never replaces Part A hospital coverage.
- B) Custodial and home care benefits belong to long-term care insurance, a different product governed by M.C.L. 500.3901 to 500.3955.
- D) A supplement cannot substitute for Part B — M.C.L. 500.3821 requires enrollment in both parts before the policy may be issued.
Memory hook
Medigap pays Medicare's gaps — coinsurance, copays, deductibles.