DC Medicare Supplement Insurance

Question 1

In DC, which agency oversees Medicare Supplement (Medigap) policy forms and ensures they comply with federal NAIC model standards?

Accepted Answer

DC Department of Insurance, Securities and Banking (DISB)

Answer

Centers for Medicare & Medicaid Services (CMS) exclusively

Answer

Social Security Administration

Answer

DC Health Benefit Exchange Authority

Question 2

A DC resident newly eligible for Medicare at age 65 has a guaranteed issue right during which period?

Accepted Answer

The first 6 months after enrolling in Medicare Part B

Answer

Any time they choose, with no deadline

Answer

Only during the annual Medicare Open Enrollment Period (Oct 15 – Dec 7)

Answer

Only if they can prove medical necessity

Question 3

Which standardized Medigap plan in DC offers the most comprehensive coverage, including all gaps in Original Medicare?

Accepted Answer

Plan G (for those newly eligible after Jan 1, 2020)

Answer

Plan A

Answer

Plan C or Plan F (for those eligible before Jan 1, 2020)

Answer

Plan K

Question 4

What is the 'Medicare Part B excess charges' benefit covered by Medigap Plan G in DC?

Accepted Answer

The amount a non-participating doctor can charge above Medicare-approved rates (up to 15%)

Answer

The Medicare Part B annual deductible

Answer

The 20% Part B coinsurance

Answer

The Part A hospital deductible

Question 5

Under DC Medigap regulations, what is the 'birthday rule'?

Accepted Answer

A rule allowing Medigap policyholders to switch to a plan with equal or lesser benefits during their birthday month without new underwriting

Answer

A rule requiring insurers to offer premium discounts on the policyholder's birthday

Answer

A rule mandating coverage begins on the policyholder's birthday each year

Answer

A federal rule requiring annual rate increases only on policy anniversary dates

Question 6

Which of the following is TRUE about Medigap policies sold in DC?

Accepted Answer

They supplement Original Medicare (Parts A and B) only, not Medicare Advantage

Answer

They cover the cost of prescription drugs (Part D)

Answer

They must be sold alongside Medicare Advantage plans

Answer

They are available to any person regardless of age