In California, a 'Medicare Select' Medicare Supplement policy is a Medigap policy that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A Medicare Select policy is a type of Medicare Supplement policy that uses a managed care network: the insured must obtain covered non-emergency services from designated hospitals and physicians in the plan's network, and out-of-network care is covered in emergencies. California Insurance Code Section 10192.10 addresses Medicare Select plans as part of the standardized Medigap framework. The examination objectives identify Medicare Select plans specifically, making the network requirement a tested point under AH-III.D.1e. The trade-off is a typically lower premium in exchange for network-restricted access.
Why the other options are wrong
- B) A Medigap policy supplements Medicare; it never replaces Part A or Part B coverage.
- C) Medicare Select is not restricted to ESRD beneficiaries; that is a Special Needs Plan concept under Medicare Part C.
- D) Medigap policies do not cover prescription drugs, and Medicare Select is no exception.
Memory hook
Medicare Select: a Medigap that stays within its own network.