State RegulationsPA specificDifficulty 1/5
Under the Pennsylvania Medicare Supplement marketing standards in 31 Pa. Code 89.786, which practice is prohibited?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The marketing standards of 31 Pa. Code 89.786, enforced by the Pennsylvania Insurance Department, prohibit any suggestion that a Medicare supplement policy is endorsed by or connected with Medicare or any other governmental agency. Because the product is intertwined with a federal program, consumers are especially vulnerable to the false belief that a private policy carries government approval. Honest description of benefits and coordination with Medicare is not merely permitted — it is what the marketing standards expect.
Why the other options are wrong
- A) Complete description of benefits and limitations is the opposite of a violation; the marketing standards demand truthful, full disclosure.
- B) Giving an applicant time to review the application is a fair-sales practice, not a prohibited marketing act.
- D) Explaining how the policy coordinates with Medicare is a required, truthful explanation of how coverage works.
Memory hook
Never wear the government's badge: no Medicare-endorsement hints in Med-supp marketing.