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Pennsylvania Medicare supplement practice questions

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Section 9.0 of the Pennsylvania Accident and Health exam (Series 16-02), "Health Insurance for Senior Citizens and Special Needs Individuals," is 14% of the exam. Its Medicare supplement part lists open enrollment, marketing standards, advertising, appropriateness of a purchase, replacement, disclosure, compensation and guaranteed issue, citing 31 Pa. Code Chapter 89. [1] This page covers those rules and gives 12 practice questions. Every rule comes from the Pennsylvania Code.

Key rules

Practice questions

1. A person enrolls in Medicare Part B effective in March. When does the Medicare supplement open enrollment window start?
A. The day they apply
B. The first day of the first month they are enrolled in Part B
C. Their 65th birthday
D. January 1 of the next year

Answer: B. The window is the 6 months beginning with the first day of the first month the person is enrolled in Part B. (31 Pa. Code 89.778(a)) [2]

2. During open enrollment, the applicant has 6 months of continuous creditable coverage. Can the issuer exclude a pre-existing condition?
Answer: No. (31 Pa. Code 89.778(b)) [2]

3. What notice must appear on the first page of a Medicare supplement policy?
Answer: "Notice to buyer: This policy may not cover all of your medical expenses." (31 Pa. Code 89.786(a)(3)) [6]

4. A producer uses scare tactics to push a senior into buying a policy. Which prohibited practice is this?
Answer: High pressure tactics, meaning marketing that induces a purchase through force, fright, threat or undue pressure. (31 Pa. Code 89.786(b)(2)) [6]

5. A mailer invites seniors to "learn about new Medicare benefits" without saying an insurance agent will call. What is this?
Answer: Cold lead advertising, which fails to disclose conspicuously that the purpose is solicitation of insurance and that a producer or insurer will make contact. (31 Pa. Code 89.786(b)(3)) [6]

6. Can a policy that does not meet the Medicare supplement rules be called "Medigap"?
Answer: No. "Medicare Supplement," "Medigap," "Medicare Wrap-Around" and similar words may only be used for policies issued in compliance with the subchapter. (31 Pa. Code 89.786(c)) [6]

7. A client already has a Medicare supplement policy. Can a producer sell them a second one?
Answer: No. A sale that gives a person more than one Medicare supplement policy or certificate is prohibited. (31 Pa. Code 89.787(b)) [4]

8. A client is enrolled in a Medicare Advantage (Part C) plan. When can a Medicare supplement policy take effect?
Answer: Only after the Part C coverage ends. (31 Pa. Code 89.787(c)) [4]

9. On the application, which policies must the producer list?
Answer: Health insurance policies they sold the applicant that are still in force, and those sold in the past 5 years that are no longer in force. (31 Pa. Code 89.784(3)) [7]

10. Before issuing a replacement Medicare supplement policy, what must the issuer or agent give the applicant?
Answer: A notice regarding replacement of Medicare supplement coverage, signed by the applicant and the agent, with one copy for the applicant and one kept by the issuer. (31 Pa. Code 89.784(4)(i)) [7]

11. When must the outline of coverage be given to a Medicare supplement applicant?
Answer: At the time the application is presented, with a signed acknowledgment of receipt, except for direct response policies. (31 Pa. Code 89.783(d)(1)) [8]

12. A person's Medicare Advantage plan leaves their area and coverage ends involuntarily. How long is their guaranteed issue period?
Answer: It begins when they receive the notice of termination and ends 63 days after the coverage ends. During it, the issuer cannot deny the listed plans, price them by health status or exclude pre-existing conditions. (31 Pa. Code 89.790(a), (b)(2), (c)(2)) [9]

Required statements on the application

The application must include statements telling the applicant, among other things, that they do not need more than one Medicare supplement policy and that they may be eligible for Medicaid and may not need a Medicare supplement policy. If they become eligible for Medicaid, they can ask to suspend the policy's benefits and premiums for up to 24 months, and must ask within 90 days of becoming eligible. (31 Pa. Code 89.784(1)) [7]

Study tips

Practice more with the free Pennsylvania Accident and Health practice test.

Prep Retention is independent and is not affiliated with PSI or the state.

Sources

Laws and exam documents quoted as of October 2026.

  1. PSI, Pennsylvania Accident and Health outline, Series 16-02 (effective 3/1/2026): https://proctor2.psionline.com/media/programs/PAINS/16-02xx.pdf
  2. 31 Pa. Code 89.778: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.778.html&d=reduce
  3. 31 Pa. Code 89.789: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.789.html&d=reduce
  4. 31 Pa. Code 89.787: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.787.html&d=reduce
  5. 31 Pa. Code 89.782: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.782.html&d=reduce
  6. 31 Pa. Code 89.786: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.786.html&d=reduce
  7. 31 Pa. Code 89.784: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.784.html&d=reduce
  8. 31 Pa. Code 89.783: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.783.html&d=reduce
  9. 31 Pa. Code 89.790: https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.790.html&d=reduce

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