State RegulationsMA specificDifficulty 2/5
Which combination of Massachusetts regulations supplies the required disclosure provisions for Medicare supplement insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The required disclosure provisions for Massachusetts Medicare supplement insurance come from 211 CMR 40.15 together with 211 CMR 71.13. The Med-supps-specific rule 211 CMR 71.13 carries the disclosure framework — including the buyer's guide and related comparison materials — while 211 CMR 40.15 supplies the general disclosure requirement that operates alongside it. The Massachusetts Division of Insurance administers both, and neither the long-term care rules (211 CMR 65.00) nor the advertising, reporting, or compensation rules substitute for them.
Why the other options are wrong
- A) 211 CMR 65.00 and 211 CMR 65.101 belong to the long-term care regulation, including its right-to-return mechanics, not Medicare supplement disclosure.
- B) 211 CMR 71.19 governs reporting of multiple policies and 211 CMR 71.08 defines the standardized plans; neither is the disclosure provision.
- D) 211 CMR 71.17 governs advertising and 211 CMR 71.18 governs compensation — related sales rules, but not the required disclosure provisions.
Memory hook
Disclosure is a two-parcel package: 40.15 and 71.13.