State RegulationsFL specificDifficulty 2/5
Under a Florida blanket health policy, when does an individual member's coverage terminate?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, blanket coverage attaches to membership in the defined class, so an individual member's coverage ends when the member leaves the class — for example, when a camper goes home or a student graduates — or when the master policy terminates. The coverage follows the class, not the individual. Filing a claim or failing to request cancellation has no effect on the duration of a member's blanket coverage.
Why the other options are wrong
- A) A member's coverage does not persist indefinitely until personally cancelled; it ends with membership in the class.
- B) Blanket coverage is not guaranteed for life; it lasts only while the person remains in the class and the policy is in force.
- D) Filing a claim does not terminate blanket coverage; membership status and the master policy control.
Memory hook
In the class, covered; out of the class, done.