Which statement best describes duplication in Medigap policies?

Which statement best describes duplication in Medigap policies?

• A. An agent cannot sell a policy that duplicates Medicare benefits or sell more than one Medigap policy to the insured.
• B. An agent may sell multiple Medigap policies to increase total coverage.
• C. Duplication is allowed if premiums are paid by the policyholder.
• D. Duplication is allowed if the policies have different issuers.

Answer: (A)

In Medigap, the goal is to fill gaps in Medicare coverage without duplicating benefits. Having two Medigap policies would overlap benefits, waste premiums, and create coordination problems when filing claims. Because of this, an agent may not sell a policy that duplicates Medicare benefits and may not sell more than one Medigap policy to the insured. The other ideas don’t fit because stacking multiple Medigap policies to increase coverage would still duplicate benefits, and the ability to pay premiums or having different issuers doesn’t change the rule that you can’t duplicate coverage.

In Medigap, the goal is to fill gaps in Medicare coverage without duplicating benefits. Having two Medigap policies would overlap benefits, waste premiums, and create coordination problems when filing claims. Because of this, an agent may not sell a policy that duplicates Medicare benefits and may not sell more than one Medigap policy to the insured.

The other ideas don’t fit because stacking multiple Medigap policies to increase coverage would still duplicate benefits, and the ability to pay premiums or having different issuers doesn’t change the rule that you can’t duplicate coverage.