A Medicare beneficiary turning 65 in 2026 (newly eligible) is comparing standardized Medicare Supplement Plans. Which statement about Plan F versus Plan G is correct?
Explanation
Under the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap plans that cover the Medicare Part B deductible (Plan F and Plan C) cannot be SOLD to people who become NEWLY eligible for Medicare on or after January 1, 2020. Beneficiaries who were already eligible before that date may keep or buy Plan F/C, but newly eligibles must choose another standardized plan. Plan G is now the most comprehensive available to newly eligibles; it pays everything Plan F pays except the Part B deductible. California Insurance Code §10192 et seq. mirrors federal Medigap standardization and adds California-specific protections (e.g., the birthday rule under §10192.11). Option A overstates Plan F's availability. Option B is wrong; Plan G expressly excludes the Part B deductible. Option D is fabricated.
Law Reference: 42 U.S.C. §1395ss (Medigap standardization); California Insurance Code §10192 et seq.Practice all 315 questions free — no signup required.
Related questions on this topic
- Which of the following is the BEST description of an Exclusive Provider Organization (EPO)?
- A health plan member sees an in-network specialist for a service that costs $500. The plan has a $250 deductible (already met), 20% coinsurance, and a $30 copay for specialist visits. After meeting the deductible, the typical structure is:
- Which of the following BEST describes a 'staff model' HMO?
- A Point-of-Service (POS) plan is BEST distinguished from a pure HMO by which of the following features?
- For 2026, to be an HSA-eligible High-Deductible Health Plan (HDHP), the plan must have at LEAST a minimum annual deductible and CANNOT EXCEED a maximum out-of-pocket limit, both set annually by the IRS. Which of the following statements is MOST accurate?
- Under federal Medigap rules, what is the 'Medigap Open Enrollment Period' for a Medicare Part B enrollee?
Last reviewed: · editorial process