State RegulationsMA specificDifficulty 2/5
To whom must the multiple-policy reports required by 211 CMR 71.19 be made?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
211 CMR 71.19 directs the multiple-policy report to the Commissioner of the Massachusetts Division of Insurance, the state regulator charged with monitoring Medicare supplement coverage. The report is a regulatory filing, not an internal memo or a courtesy to other market participants: only the Commissioner can use the accumulated reports to police excessive and duplicative Medicare supplement coverage across insurers. Misdirecting the report fails the rule's purpose.
Why the other options are wrong
- A) A physician has no regulatory role in the multiple-policy reporting scheme; the report belongs to the state's insurance regulator.
- B) Internal compliance review may be good practice, but the rule requires a report to the Commissioner, not to the insurer's own board.
- D) Another insurer's files are not the destination; the reporting obligation runs to the Massachusetts Division of Insurance.
Memory hook
Reports go up to the Commissioner — not sideways, not home.