State RegulationsVA specificDifficulty 3/5
How does a Medicare SELECT policy differ from other standardized Medicare supplement policies?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Medicare SELECT is a network-based form of Medicare supplement recognized within Virginia's Medigap framework of Va. Code § 38.2-3601 et seq. and administered by the Bureau of Insurance. The SELECT design conditions full payment on using the plan's network of providers, with exceptions for emergencies, and insurers typically price SELECT policies at lower premiums because of that managed-use feature. Outside the network in non-emergency situations, benefits are reduced — the trade-off that distinguishes SELECT from standard Medigap designs.
Why the other options are wrong
- A) The network restriction, not an age limit, is the defining feature of SELECT; the under-65 framing is wrong.
- B) SELECT policies are Medicare supplement policies and remain subject to Virginia's Medigap standardization and consumer protections.
- C) Freedom to use any provider on identical terms describes standard Medigap, the opposite of the SELECT network design.
Memory hook
SELECT = stay in the network for full benefits, trade the restriction for a lower premium.