State RegulationsFL specificDifficulty 3/5
A consumer enrolled in a Medicare Advantage plan asks a Florida agent to sell her a Medicare supplement policy. What must the agent do?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.674, an insurer or agent may not knowingly sell a Medicare supplement policy to a person enrolled in a Medicare Advantage plan, because the two coverages do not work together — the Med Supp has no gaps of original Medicare to fill. The correct move is to explain the conflict and decline the sale. A supervisor's waiver cannot cure what the statute prohibits.
Why the other options are wrong
- A) A Med Supp cannot serve as backup for a Medicare Advantage enrollee; the combination is prohibited.
- B) The size of the premium is irrelevant; the sale is prohibited regardless of price.
- D) No internal waiver authorizes a sale that Florida law prohibits to a Medicare Advantage enrollee.
Memory hook
MA and Med Supp don't mix — decline the sale.