State RegulationsFL specificDifficulty 2/5
A Florida Medicare supplement advertisement displays the federal Medicare card and describes the product as the 'official government Medicare plan.' How is this treated under Florida law?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Fla. Stat. 627.674, Medicare supplement advertising must not use names, symbols, or images that imply the policy is a government product or that the federal government endorses the coverage. Medicare supplement insurance is sold by private insurers, and ads suggesting otherwise are misleading. The Department of Financial Services and the Office of Insurance Regulation enforce these advertising standards against insurers and producers.
Why the other options are wrong
- A) Relevance to Medicare does not permit an ad to imply the policy itself is a government product.
- B) No county-filed disclaimer cures an ad that implies government endorsement; the ad itself is prohibited.
- C) Florida regulators actively police Medicare supplement advertising; federal oversight is not exclusive.
Memory hook
Private plan, not Uncle Sam's plan.