State RegulationsFL specificDifficulty 2/5
Which statement about exclusions in Florida Medicare supplement policies is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Fla. Stat. 627.674, exclusions in a Medicare supplement policy must be stated in the policy and summarized in the outline of coverage, so the applicant can see what is not covered before buying. Disclosure is the mechanism that makes standardized comparison meaningful. Post-issue additions of exclusions and undisclosed or lifetime exclusions would defeat both the disclosure scheme and the preexisting limits in Fla. Stat. 627.6741(2)(b).
Why the other options are wrong
- A) An insurer may not add exclusions after the policy is issued; the coverage terms are fixed at issue.
- B) Exclusions are subject to disclosure requirements in the policy and the outline of coverage.
- C) Preexisting exclusions are strictly time-limited; lifetime exclusions for any past condition are prohibited.
Memory hook
What's not covered must be in writing before the sale.