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

DISB regulates Medicare Supplement insurance sold in DC, including approving policy forms to ensure compliance with federal NAIC model regulations.

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

The Medigap open enrollment period is the 6-month window beginning the month a beneficiary is both age 65 or older AND enrolled in Medicare Part B, during which guaranteed issue applies.

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

For beneficiaries newly eligible for Medicare after January 1, 2020, Plan G is the most comprehensive Medigap plan available, covering all gaps except the Part B deductible.

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

Part B excess charges are the additional amounts (up to 15% above Medicare rates) that non-participating providers may bill; Plan G covers these charges.

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

Some states have a birthday rule allowing Medigap policyholders to switch plans (equal or lesser benefits) during a window around their birthday without medical underwriting. DC has considered similar consumer protections.

DC - District of Columbia Insurance Practice Test

DC - District of Columbia Insurance Practice Test

DC Medicare Supplement Insurance