State RegulationsPA specificDifficulty 1/5
What do the minimum benefit standards for Medicare supplement policies (40 P.S. § 3105) require in Pennsylvania?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Section 40 P.S. § 3105 sets minimum benefit standards: a floor of benefits that every Medicare supplement policy issued in Pennsylvania must provide, no matter how modest the plan or how low the premium. The Pennsylvania Insurance Department implements this floor through the rules of its Medicare supplement regulations, so consumers are assured that even the cheapest compliant policy delivers a baseline of protection. The standards concern benefits — not commissions, premiums, or claim timing.
Why the other options are wrong
- A) Producer compensation is governed separately and is not what the minimum benefit standards address.
- B) Insurers set their own premiums within the regulatory framework; the statute sets no minimum charge.
- D) Claim-payment timing is addressed by other claim-practices rules, not by the minimum benefit standards of 40 P.S. § 3105.
Memory hook
Minimum benefits = benefit floor: every plan must clear the bar, not every price.