An issuer delivers a Medicare supplement policy that provides coverage on a basis different from the coverage the applicant applied for. Under New York's disclosure requirements for Medicare supplement insurance, what must accompany the policy when it is delivered?

Why D is correct

Under New York's Medicare supplement disclosure requirements, if a policy is issued on a basis that would require revision of the disclosure statement, a substitute disclosure statement properly describing the policy as issued must accompany the policy when it is delivered, together with a prominent notice that it is not identical to the disclosure provided upon application and that the coverage originally applied for has not been issued. This ensures the applicant learns immediately that the product delivered differs from the product applied for.

Why the other options are wrong

• A) The original disclosure no longer describes the coverage delivered; a substitute statement and notice are required.
• B) A Department complaint is not the trigger; the substitute disclosure obligation arises automatically at delivery.
• C) No new application is required; the requirement is a corrected disclosure statement with notice of the difference.

Memory hook

Different policy delivered? Substitute disclosure plus a 'not what you applied for' notice.