State RegulationsFL specificDifficulty 2/5
Which statement about required versus optional coverages and provisions in Florida health insurance policies is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, Florida's minimum standards require certain provisions and coverages in every health policy delivered in the state, and they cannot be waived by the insurer or by agreement with the insured. Optional coverages, such as riders and supplemental benefits, are offered at the option of the policyowner. A premium discount or a disclosure document cannot convert a required provision into an optional one, and the standards apply to both individual and group policies.
Why the other options are wrong
- B) Reducing the premium does not permit omission of statutorily required provisions; minimum standards cannot be bargained away.
- C) Delivering an outline of coverage is a disclosure duty; it does not turn optional coverages into mandatory ones.
- D) The minimum standards apply to individual health policies as well as group policies.
Memory hook
Required can't be refused; optional is the owner's call.