State RegulationsMI specificDifficulty 3/5
A Michigan policyholder owns Medicare supplement Plan C and experiences a qualifying event that gives him a guaranteed issue right. Under the guarantee-issue rules, which plans must insurers make available to him?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Per the Michigan Department of Insurance and Financial Services (DIFS), the federal MACRA rules applied to Michigan Medicare supplement sales reassigned the guarantee-issue rights that formerly mapped to Plan C and Plan F to Plans D and G, because Plans C and F are no longer sold to newly eligible Medicare beneficiaries. An insurer presented with such a guarantee-issue right must offer the reassigned plans without underwriting.
Why the other options are wrong
- A) Plan C is no longer available to newly eligible beneficiaries, so a guaranteed issue right cannot be satisfied with it.
- B) Plan A is a core plan but is not the reassigned substitute for a Plan C guarantee-issue right.
- C) Plans F and high-deductible F are the retired plans, not the substitutes the reassignment rules direct.
Memory hook
C or F retired? D and G step in on guarantee issue.