State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
When a Medicare supplement (Medigap) policy is being purchased to replace an existing Medigap policy, California law requires:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10192.18 imposes replacement disclosure requirements when a Medigap policy replaces another. The insurer must inform the applicant about the replacement, including comparing benefits, so the applicant can make an informed decision. These rules guard against churning and the unknowing loss of benefits, which are particular concerns with senior consumers.
Why the other options are wrong
- B) An individual is limited to one Medigap policy; replacement means the new policy takes the old one's place.
- C) There is no required one-year waiting period for replacement; the disclosure and timing rules govern instead.
- D) Replacing a Medigap policy does not affect Medicare Part B enrollment.
Memory hook
Replacing a Medigap policy? California requires replacement disclosure.