State RegulationsCO specificDifficulty 1/5
Which statement correctly describes the relationship between a Colorado Medicare supplement policy and the benefits Medicare itself already pays?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Colorado's Medicare supplement minimum-standard law, C.R.S. § 10-18-103, together with the definitions in C.R.S. § 10-18-101(4) and Colorado Insurance Regulation 4-3-1, treats a Medicare supplement policy as coverage designed to fill gaps left by Medicare; it may not duplicate benefits available under Medicare. The no-duplication principle is why Colorado ties benefit standards directly to the federal program.
Why the other options are wrong
- A) Duplication of Medicare benefits is exactly what the no-duplication standard forbids, regardless of how much premium is charged.
- B) A supplement works alongside Medicare, not in place of it — Medicare remains the primary program paying first.
- C) Medicare supplement policies are sold to persons enrolled in Medicare, not to persons outside the program.
Memory hook
Med supp fills Medicare's gaps — never copies what Medicare already covers.