State RegulationsMA specificDifficulty 1/5
Under 211 CMR 71.07 and Massachusetts law, what renewability protection attaches to a Medicare supplement policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
211 CMR 71.07 guarantees the renewability of Massachusetts Medicare supplement policies. The insured keeps the coverage year after year, and the insurer may not decline renewal because of the insured's health status, claims experience, or medical condition — protections that work together with the guaranteed-issue framework of M.G.L. c. 176K. Renewability is a right built into the product, not a discretion the insurer can exercise at each anniversary under the watch of the Massachusetts Division of Insurance.
Why the other options are wrong
- A) Anniversary nonrenewal at the insurer's option is exactly what guaranteed renewability under 211 CMR 71.07 forecloses.
- C) Renewability is guaranteed, not discretionary; no two-year waiting period converts it into an insurer option.
- D) Medicare supplement coverage is individual health coverage; employment status is not a condition of renewal under 211 CMR 71.07.
Memory hook
Med supp renews come what may — health and claims cannot cancel it.