State RegulationsMI specificDifficulty 2/5
Which benefits make up the core coverage included in every standardized Michigan Medicare supplement plan?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Per the Michigan Department of Insurance and Financial Services (DIFS), every standardized Medicare supplement plan must include the basic core benefits: Part A coinsurance plus 365 additional days of hospitalization after Medicare benefits are exhausted, Part B coinsurance (generally 20%), the first 3 pints of blood, and Part A hospice care coinsurance. Plans beyond the core add further benefits on top of this floor.
Why the other options are wrong
- A) The Part B deductible, dental care, and prescription drugs are not part of the required core benefit package.
- C) Private-duty nursing and nursing home costs are long-term care style benefits, not Med supplement core benefits.
- D) Foreign travel emergency and the Part A deductible are not among the core benefits DIFS lists for every plan.
Memory hook
Core four: coinsurance, 365 extra hospital days, first 3 pints of blood, hospice coinsurance.