State RegulationsMI specificDifficulty 1/5
Which of the following is included in the basic core benefits that every standardized Michigan Medicare supplement plan must provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under DIFS guidance implementing Michigan's Medicare supplement law (M.C.L. 500.3803 to 500.3835), every standardized plan's core benefits include Part A coinsurance plus 365 additional days of hospitalization after Medicare benefits end, Part B coinsurance (generally 20%), the first 3 pints of blood, and Part A hospice care coinsurance. The 365 additional hospital days are the signature core benefit.
Why the other options are wrong
- B) Medicare Part D prescription drug coverage is a separate federal program, not a Medicare supplement core benefit.
- C) Custodial nursing home care is a long-term care insurance benefit, not a Medicare supplement benefit.
- D) Routine dental and vision care are not among the core benefits of the standardized plans.
Memory hook
Core = 365 extra hospital days, 3 pints of blood, hospice coinsurance.