State RegulationsMI specificDifficulty 2/5
Beyond the general accident and health outline of coverage rules, which Michigan statutes specifically impose outline-of-coverage and buyer's-guide duties for Medicare supplement policies?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Michigan Compiled Laws sections 500.3813 and 500.3815, within the Michigan Insurance Code's Medicare supplement chapter, establish the outline-of-coverage and buyer's-guide duties specific to Medicare supplement policies. These provisions layer product-specific disclosure requirements on top of the general accident and health framework of Michigan Administrative Code rules R 500.656–.658/.661, reflecting the extra protection Medicare-eligible consumers receive in the solicitation process.
Why the other options are wrong
- A) M.C.L. 500.701 and M.C.L. 500.3400 open the blanket insurance framework and have no Medicare supplement disclosure role.
- C) M.C.L. 500.7702 and M.C.L. 500.7704 govern the guaranty association and its coverage caps, not disclosure documents.
- D) M.C.L. 500.3407b addresses genetic test results, and M.C.L. 500.3408 sets the time limit on defenses; neither imposes buyer's-guide duties.
Memory hook
Med supp disclosure duties live at 3813 and 3815.