State RegulationsFL specificDifficulty 2/5
Which of the following may a Florida Medicare supplement policy lawfully exclude?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Fla. Stat. 627.674, a Medicare supplement policy's job is to fill the cost-sharing gaps that Medicare leaves on covered services; services Medicare does not cover at all, such as elective cosmetic surgery, fall outside that job and may lawfully be excluded. Excluding the coinsurance on covered physician services, the Part A inpatient deductible, or Medicare-covered ESRD treatment would gut the product's purpose and is not permitted. The exclusion boundary follows Medicare's own coverage boundary.
Why the other options are wrong
- A) The coinsurance on covered physician services is a core gap the supplement exists to fill; it cannot be excluded.
- C) End-stage renal disease treatment under Medicare-covered care cannot be carved out of a Med Supp policy.
- D) The Medicare Part A inpatient deductible for covered stays is exactly the kind of gap Med Supp coverage fills.
Memory hook
Med Supp excludes only what Medicare already ignores.