State RegulationsMA specificDifficulty 2/5
While processing an application for a Massachusetts Medicare supplement policy, an insurer learns that the applicant already holds two other Medicare supplement policies. Under 211 CMR 71.19, the insurer should:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
211 CMR 71.19 imposes a reporting duty on insurers that discover a Medicare supplement applicant holds multiple policies: the insurer reports the multiple policies to the Commissioner of the Massachusetts Division of Insurance. That report is the mechanism the state uses to track excessive Medicare supplement coverage across carriers. A silent declination, a report to the federal program, or a delayed report all fail the obligation the rule creates.
Why the other options are wrong
- B) Declining the application does not discharge the reporting duty; the discovery of multiple policies triggers the report under 211 CMR 71.19.
- C) The report goes to the state regulator under the Massachusetts rule, not to the federal Medicare program.
- D) No multi-year waiting period exists; the duty attaches when the insurer learns of the multiple policies.
Memory hook
See duplicates? Tell the Division — that is 71.19's job.