State RegulationsPA specificDifficulty 1/5
Which Pennsylvania regulation enumerates the exclusions that a limited health insurance policy may contain, including pre-existing condition exclusions?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
31 Pa. Code 88.84 is the Pennsylvania rule that lists the exclusions permitted in limited health policies, including the ability to exclude pre-existing conditions. A candidate should associate this section with what a limited policy may lawfully leave out. The sections named in the other choices belong to different subjects entirely, and the Pennsylvania Insurance Department administers the chapter in which 88.84 sits.
Why the other options are wrong
- A) 31 Pa. Code 146.5 is an unfair claims settlement practices rule, not the exclusion list for limited health policies.
- C) 31 Pa. Code 88.169 sets standards for specified-disease limited policies, not the enumeration of permitted exclusions.
- D) 31 Pa. Code 39a sits in the continuing education chapter, unrelated to policy exclusions.
Memory hook
88.84 = what a limited policy may leave out.