State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A private insurer in California that sells Medicare Supplement (Medigap) policies must offer which standardized plans?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
California law requires every Medigap insurer to offer Plan A, the core benefit plan, and at least one of the two plans that include the Medicare Part A inpatient hospital deductible benefit: Plan C or Plan F. This requirement ensures consumers always have access to a basic standardized policy and a more comprehensive option. Insurers are free to offer the remaining standardized plans A through N in addition to these required choices.
Why the other options are wrong
- A) The law requires a low-cost core plan (Plan A) and a deductible plan (C or F); it does not require insurers to offer only expensive plans.
- B) Plan D and Plan G are optional standardized plans, not the mandatory minimum offerings.
- C) Medicare Advantage is a separate product line under Part C; it does not satisfy the Medigap Plan A plus C-or-F requirement.
Memory hook
Every CA Medigap carrier must sell Plan A and one of C or F. Core plus deductible coverage, guaranteed on the shelf.