In California, insurers that sell Medigap policies to people age 65 and older must generally also:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California requires Medigap insurers to make policies available to individuals under age 65 who are eligible for Medicare because of disability, with guaranteed issue rights that prevent health-based denial (CIC Section 10192.12). If an insurer participates in the Medigap market, it cannot limit its products to the 65-and-older population; the under-65 disabled population on Medicare must have access to the same standardized plans, which are issued without medical underwriting during the applicable open enrollment periods. The guaranteed issue protection means the plan is offered regardless of the applicant's health conditions, which is critical for a disabled population that often needs the coverage most.
Why the other options are wrong
- B) Refusing coverage to all under-65 applicants would violate California's requirement to serve disabled Medicare beneficiaries under 65.
- C) Medigap is a separate product from Medicare Advantage; it is not sold through MA plans.
- D) Medigap policies for disabled individuals are not limited to employer-sponsored arrangements.
Memory hook
Golden State rule: if you sell Medigap to seniors, you must also serve the under-65 disabled on Medicare. No cherry-picking.