Before an applicant completes a Medigap application, California law requires the insurer to provide:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Medigap law (CIC Section 10192.17) requires that an outline of coverage be furnished before the application is completed, describing the policy's benefits, limitations, and other key terms. This disclosure lets the consumer compare standardized Medigap plans before buying. Related disclosure rules require that replacement situations be handled with specific notices, and that a buyer's guide be available. The outline of coverage is a central consumer-protection feature of the Medigap sales process. The outline must describe benefits in a standardized format so consumers can compare lettered plans side by side. Delivering the outline only after the sale or failing to discuss it violates California's Medigap disclosure requirements.
Why the other options are wrong
- B) A physician directory is not a Medigap sales document; Medigap covers any Medicare-eligible provider that accepts the policy terms.
- C) The insurer has no right to the applicant's Medicare claims history before the application is completed.
- D) Agent compensation is not a required pre-application disclosure for Medigap sales.
Memory hook
Outline first, application second. Medigap says show your benefits before you take the signature.