Under California's Medigap requirements, a private insurer that sells Medicare supplement insurance must offer:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law requires every insurer selling Medigap to offer Plan A — the core benefit package that is the floor for all standardized plans — and at least one of the more comprehensive standardized plans, specifically Plan C or Plan F. This 'A plus C or F' offering rule ensures that consumers can choose between a basic supplement and a comprehensive one from the same insurer. Medigap plans are federally standardized in their benefits, so no insurer can offer a custom, non-standardized supplement; California's requirement is a specific state exam point on top of the federal standardization.
Why the other options are wrong
- B) Insurers must offer the core Plan A and one of the comprehensive plans; they are not restricted to the most expensive product, so this option misstates the product mix.
- C) There is no Plan D-only regime; Medigap plans are lettered and standardized, and no single plan replaces the others, so this option invents a monopoly plan.
- D) Medigap plans are federally standardized, not custom-designed by each insurer, so this option contradicts the entire standardization framework.
Memory hook
California Medigap shelves must stock Plan A and at least one of C or F — basic plus comprehensive, always.