Medicare Supplement Insurance Flashcards

Which of the following is a guaranteed issue right for Medigap in DC?

Answer: A Medicare Advantage plan disenrollment due to the plan leaving the service area triggers guaranteed issue rights

Federal law provides guaranteed issue Medigap rights in specific situations, including when a Medicare Advantage plan discontinues in the service area or goes bankrupt.

A DC Medigap agent explains to a client that Plan G covers the Part B deductible. Is this accurate?

Answer: No, Plan G does NOT cover the Part B deductible—only Plan F does (for pre-2020 enrollees)

Plan G does NOT cover the Medicare Part B annual deductible. This is the key difference between Plan G and the now-restricted Plan F.

Which Medicare Supplement plan available in DC covers foreign travel emergency care (up to plan limits)?

Answer: Plans C, D, F, G, M, and N

Medigap Plans C, D, F, G, M, and N include foreign travel emergency coverage (80% after a deductible, up to a lifetime maximum).

A DC beneficiary is hospitalized for 90 days. Under Original Medicare, what is required for days 61–90?

Answer: Daily coinsurance of approximately $408 per day (2024 rate)

For days 61–90 of a hospital stay in a benefit period, Original Medicare requires a daily coinsurance (approximately $408/day in 2024) while Medicare covers the remainder.

Under DC Medigap regulations, can an insurer cancel a Medigap policy for health deterioration of the insured?

Answer: No, Medigap policies are guaranteed renewable—insurers cannot cancel for health reasons

Medigap policies are guaranteed renewable—the insurer must renew the policy regardless of the insured's health status, as long as premiums are paid.

What does Medicare Part D cover, and can a Medigap plan replace it in DC?

Answer: Part D covers prescription drugs; Medigap plans sold after 2006 do not cover Part D and cannot replace it

Medicare Part D covers prescription drugs. Medigap plans sold after January 1, 2006 no longer include drug coverage—beneficiaries must enroll in a separate Part D plan.