State RegulationsTN specificDifficulty 3/5
How does a 'prohibited policy provision' standard differ from a 'minimum standards' requirement in Tennessee's Medicare supplement regulation?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Tenn. Comp. R. & Regs. 0780-1-58-.06 identifies the language a Tennessee Medicare supplement policy may not include, while Tenn. Comp. R. & Regs. 0780-1-58-.08 and 0780-1-58-.17 set the minimum standards every such policy must satisfy. The Tennessee Department of Commerce & Insurance enforces both: one keeps forbidden wording out of the contract, the other guarantees a required floor of terms and protections.
Why the other options are wrong
- B) Both standards concern policy content, not claims-handling conduct or premium rate filing mechanics.
- C) Nothing in the Medicare supplement rules confines prohibited provisions to group contracts or minimum standards to individual contracts; both address the Medicare supplement policies delivered in the state.
- D) Both the prohibited-provision rule and the minimum standards rules are binding departmental rules enforced by the Commissioner, not advisory guidance.
Memory hook
Prohibited means never; minimum means always.