State RegulationsAZ specificDifficulty 2/5
An Arizona client with Medicare coverage asks whether a Medigap policy or a long-term care policy better fits her need for help with extended nursing home care. Under Arizona insurance law, which guidance is accurate?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Arizona insurance law, long-term care insurance is the product built for extended care services such as nursing home stays, while Medicare supplement policies exist to pay costs Medicare leaves uncovered. Steering a long-term care need to a Medigap policy misdescribes both products — a sales-practice problem the Arizona Department of Insurance and Financial Institutions (DIFI) treats seriously.
Why the other options are wrong
- A) Medigap fills gaps in Medicare; it is not designed to fund extended nursing home care.
- B) The products answer different needs; interchangeability is a misrepresentation of what each was designed to do.
- D) Long-term care insurance is precisely the private product designed for extended care, so the need can be addressed privately.
Memory hook
Nursing home years: LTC policy. Medicare gaps: Medigap.