State RegulationsPA specificDifficulty 1/5
Why does Pennsylvania follow the standardized, lettered-plan framework for Medicare supplement policies?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The governing Pennsylvania statute family for Medicare supplement insurance, 40 P.S. §§ 3101–3112, together with the Pennsylvania Insurance Department's regulations, adopts standardized lettered plans so that a given plan offers the same core benefits no matter which insurer sells it. Standardization makes shopping meaningful: the consumer compares identical benefit packages on premium and service. This comparability purpose drives the rest of the chapter's rules on marketing, disclosure, and replacement.
Why the other options are wrong
- A) This reverses the design: the benefits are standardized while insurers may differ in the premiums they charge, not the other way around.
- B) The Pennsylvania Insurance Department enforces the standardization framework; it does not set each insurer's premium rates for the plans.
- D) Medicare is a federal program named here only for context; it does not reimburse insurers for selling lettered Medicare supplement plans.
Memory hook
Same letter, same benefits — shop the price, not the package.