State RegulationsTN specificDifficulty 2/5
A Tennessee insurer is reviewing its Medicare supplement policy forms for compliance with the state's prohibited-provision standards. Which body administers and enforces those standards?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Tennessee's Medicare supplement policy standards, including the prohibited provisions in Tenn. Comp. R. & Regs. 0780-1-58-.06, are departmental rules administered and enforced by the Tennessee Department of Commerce & Insurance through the Commissioner. The Commissioner oversees the forms insurers deliver in the state and can act against insurers whose Medicare supplement policies violate the state standards.
Why the other options are wrong
- A) While the federal program exists, administration and enforcement of the Tennessee prohibited-provision standards rest with the state insurance department, not the federal agency alone.
- B) A policyowner's free-look return right is a contract remedy for the individual; it is not the enforcement mechanism for state form standards.
- C) Producers do not certify policy-form compliance to applicants; form compliance is the insurer's obligation under the state rules.
Memory hook
Med supp forms answer to the Commissioner, not just to Medicare.