In California, an application for a Medicare Supplement policy must include a question designed to identify whether the applicant:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The California examination objectives require that applications for Medicare Supplement policies include a question designed to identify persons who are already enrolled in a Medicare Supplement plan. Because a person cannot receive benefits from more than one Medigap policy, this question supports enforcement of the one-Medigap-per-person rule and flags potential replacement situations for appropriate disclosure. The application-question requirement is part of the California Medigap standards tested under AH-III.D.1e, and it protects both consumers and carriers from duplicate or overlapping coverage.
Why the other options are wrong
- B) Prior Medicare claims history is not the purpose of the required application question.
- C) Medicare Advantage enrollment is a separate matter and is not the subject of the required Medigap application question.
- D) Part D plan ownership is not the targeted disclosure; the question addresses existing Medigap enrollment.
Memory hook
California Medigap applications ask: do you already hold a Medigap?