State RegulationsTN specificDifficulty 1/5
Under Tennessee insurance regulations, which authority enumerates the policy provisions that are prohibited in Medicare supplement policies delivered in this state?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Tenn. Comp. R. & Regs. 0780-1-58-.06 is the Tennessee Department of Commerce & Insurance departmental rule that identifies the provisions prohibited in Medicare supplement policies delivered in Tennessee. A Medicare supplement policy must conform to the state's own policy-form rules even though it relates to a federal health program, and the Commissioner enforces those standards against insurers doing business in the state.
Why the other options are wrong
- A) Involvement of a federal health program does not displace Tennessee's departmental rules; the state standards operate in addition to federal program requirements.
- C) The unfair claims settlement practices statute (T.C.A. § 56-8-105) addresses claims-handling conduct, not the enumeration of prohibited policy provisions for Medicare supplement policies.
- D) An insurer cannot rely on its own filed form or market acceptance; compliance with the state's prohibited-provision rule is mandatory.
Memory hook
Rule 0780-1-58-.06 lists what a Medicare supplement policy may never say.