State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California law, before selling a Medicare supplement (Medigap) policy, the insurer must provide the applicant with:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California's Medigap rules (CIC Section 10192.17) require the insurer to furnish an outline of coverage to the applicant, disclosing the standardized plan's benefits, premiums, exclusions, and limitations before or at the time of application. This disclosure helps seniors compare the standardized plans and understand exactly what they are buying, reducing the risk of unsuitable or duplicative purchases.
Why the other options are wrong
- B) Medigap is not Medicare Advantage; an MA plan comparison is not the required outline of coverage.
- C) A drug formulary applies to Part D plans, not to Medigap, which does not include drug coverage.
- D) The outline of coverage is a standardized policy disclosure, not a certificate about the individual applicant.
Memory hook
Outline of coverage comes before the sale — know the benefits before you sign.