State RegulationsTN specificDifficulty 2/5
How are Tennessee's mandated coverages for health insurance best described?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Tennessee's mandated coverages are benefits the state requires insurers to offer or provide — a body of law reflected in provisions such as T.C.A. § 56-7-1002 and 56-7-1003 and the related required-benefit sections in the same chapter, including newborn coverage, continuation of group coverage, and mental health and substance-dependency benefits. The Tennessee Department of Commerce & Insurance enforces these required benefits against insurers delivering health policies in the state.
Why the other options are wrong
- A) Mandated coverages are compulsory, not optional add-ons priced at extra premium.
- B) The federal Medicare program is a separate framework; Tennessee's mandated coverages are state-law requirements applying to covered health policies.
- C) Producers have no discretion to omit a mandated benefit; the requirement binds the insurer by law.
Memory hook
Mandated means the state says you must.