State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law, an insurer that sells Medicare supplement (Medigap) insurance must offer every applicant:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under California law, an insurer that sells Medicare supplement (Medigap) insurance must offer every applicant the core Plan A and also either Plan C or Plan F. This requirement, found in Insurance Code Sections 10192.8 and 10192.10, ensures consumers always have access to the basic benefit package and to at least one of the two most comprehensive standardized plans. The insurer is not required to offer only expensive plans, to sell Part D, or to market Medicare Advantage as a substitute for a Medigap policy.
Why the other options are wrong
- B) The law requires offering Plan A plus Plan C or F; it does not restrict sales to the most expensive plan.
- C) Part D is prescription drug coverage sold separately and is not a required component of the Medigap offer.
- D) Medicare Advantage is a different product regulated under Part C and is not what the Medigap offer requirement addresses.
Memory hook
California Medigap sellers must offer A plus C or F. Basic plus a big option, every time.