An insurer files a new long-term care policy form in Tennessee and asks whether the state's Medicare supplement minimum standards apply to it. What is the correct answer?

Why B is correct

Long-term care insurance is governed by Tennessee's Long-Term Care Insurance Act, T.C.A. § 56-42-102 and the rest of the Long-Term Care Insurance Act, together with the departmental rule chapter 0780-1-61, not by the Medicare supplement rule chapter. T.C.A. § 56-42-102 confirms that the Medicare supplement rules do not apply to long-term care coverage, so the insurer must design the form to the long-term care requirements enforced by the Tennessee Department of Commerce & Insurance.

Why the other options are wrong

• A) Long-term care insurance is a distinct line of coverage with its own statutory chapter; it is not a subset of Medicare supplement insurance.
• C) The applicability line is drawn by product type under the Long-Term Care Insurance Act, not by whether the applicant is enrolled in Medicare.
• D) Long-term care forms are not exempt from state standards; they must meet the requirements of the long-term care chapter and its rule chapter.

Memory hook

LTC lives in its own statute chapter, not in the Med supp rule.