State RegulationsFL specificDifficulty 1/5
Which statement correctly describes the relationship between Medicaid and Medicare supplement insurance in Florida?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Medicaid is a needs-based government health coverage program — distinct from Medicare — and for qualifying low-income beneficiaries it can pay Medicare premiums and cost-sharing. Under Chapter 627, Florida Statutes, Medicare supplement insurance is private coverage for Medicare's gaps, so a Medicaid recipient whose cost-sharing is already covered would find a Med Supp duplicative. Understanding this relationship is part of suitability when selling to seniors.
Why the other options are wrong
- A) Medicaid is not a plan letter; the standardized Med Supp plans run from A through N.
- C) Medicaid (needs-based, any age) and Medicare (age or disability based) are distinct programs.
- D) Med Supp policies pay Medicare's cost-sharing gaps, not Medicaid's long-term care obligations.
Memory hook
Medicaid = needs-based; Med Supp = gap filler — don't stack them.