State RegulationsGA specificDifficulty 2/5
An insurer wants to begin advertising its Medicare supplement policies to Georgia consumers. Under Georgia law, what must happen before the advertisements are used?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-43-7, Medicare supplement advertisements must be submitted to the Insurance Commissioner for approval before being used in Georgia. Together with the bar on duplicating Medicare benefits in § 33-43-3(a), this gives the Georgia Insurance Department direct control over how med supp products are marketed to the state's beneficiaries.
Why the other options are wrong
- A) Following model advertising language is not a substitute for the required submission and approval by the Commissioner.
- B) Merely keeping advertisements on file does not satisfy the prior-approval requirement.
- C) Approval is a function of the Georgia Insurance Commissioner, not a federal Medicare agency.
Memory hook
Med supp ads hit the Commissioner's desk before they hit the market.