Regulation · Mississippi

Mississippi Insurance Department REGULATIONS on Medicare supplement and long-term care insurance minimum standards

19 Miss. Admin. Code

Publisher: Mississippi Insurance Department
Edition: 19 Miss. Admin. Code, Medicare supplement and long-term care regulations as listed on the...
Last checked: 2026-09-02
Status: Mississippi Insurance Department regulations

Edition and licensing notes

Publisher. Mississippi Insurance Department (mid.ms.gov)

Edition. 19 Miss. Admin. Code, Medicare supplement and long-term care regulations as listed on the MID Regulations page on 2026-09-02

Status. Mississippi Insurance Department regulations (19 Miss.

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19 Miss. Admin. Code - Mississippi Insurance Department REGULATIONS on Medicare supplement and long-term care insurance minimum standards is a regulation published by Mississippi Insurance Department (mid.ms.gov). It is one of the Mississippi documents that insurance license exam questions are written from, including mississippi life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.07(B) (Long-Term Care Policy Practices and Provisions, Limitations and Exclusions)
“No policy may be delivered or issued for delivery inthis state as long-term care insurance if such policy limits or excludes coverage bytype of illness, treatment, medical condition or accident, except as follows: 1. Preexisting conditions or diseases; 2. Mental or nervous disorders; however, this...”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.09(B)(2) (Prohibition against Post-Claims Underwriting)
“If the medications listed in such application were known by the insurer, or should have been known at the time of application, to be directly related to a medical condition for which coverage would otherwise be denied, then the policy or certificate shall not be rescinded for that condition.”
19 Miss. Admin. Code Part 3, Ch. 10, Rule 10.23(B) (Prohibition against Preexisting Conditions, Waiting Periods, Elimination Periods and Probationary Periods in Replacement Policies or Certificates)
“If a Medicare supplement policy or certificate replaces another Medicare supplement policy or certificate which has been in effect for at least six (6) months, the replacing policy shall not provide any time period applicable to preexisting conditions, waiting periods, elimination periods and...”
19 Miss. Admin. Code Part 3, Ch. 10, Rule 10.18(D) (Requirements for Application Forms and Replacement Coverage)
“Upon determining that a sale will involve replacement of Medicare supplement coverage, any issuer, other than a direct response issuer, or its agent, shall furnish the applicant, prior to issuance or delivery of the Medicare supplement policy or certificate, a notice regarding replacement of...”
19 Miss. Admin. Code Part 3, Ch. 10, Rule 10.11(D) (Regulation to Implement the Medicare Supplement Insurance Minimum Standards: Open Enrollment)
“D. This section applies to a person who qualified for Medicare by reason of disability and who obtains a Medicare Supplement policy during the six month period described in subsection (A) of this rule. Persons eligible for disability by reason of disability before age 65 who are enrolled in a...”
19 Miss. Admin. Code Part 3, Ch. 10, Rule 10.20(A) (Regulation to Implement the Medicare Supplement Insurance Minimum Standards: Standards for Marketing)
“A. An issuer, directly or through its producers, shall: 1. Establish marketing procedures to assure that any comparison of policies by its agents or other producers will be fair and accurate. 2. Establish marketing procedures to assure excessive insurance is not sold or issued. 3. Display...”
19 Miss. Admin. Code Part 3, Ch. 10, Rule 10.21(C) (Appropriateness of Recommended Purchase and Excessive Insurance)
“C. An issuer shall not issue a Medicare supplement policy or certificate to an individual enrolled in Medicare Part C unless the effective date of the coverage is after the termination date of the individual’s Part C coverage Source:”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.06(C)(1) (Disclosure and Performance Standards for Long-Term Care Insurance: Prior hospitalization/institutionalization)
“C. Prior hospitalization/institutionalization: 1. No long-term care insurance policy may be delivered or issued for delivery in the State if such policy: a. Conditions eligibility for benefits on a prior hospitalizationrequirement; b. Conditions eligibility for benefits provided in an institutional...”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.06(D) (Disclosure and Performance Standards for Long-Term Care Insurance: Right to return-free look)
“D. Right to return-free look: Long‐term care insurance applicants shall have the right to return the policy or certificate within thirty (30) days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason....”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.10(A) (Minimum Standards for Home Health Care Benefits in Long-Term Care Insurance Policies)
“A. A long-term care insurance policy or certificate may not, if it provides benefits for home health care services, limit or exclude benefits: 1. By requiring that the insured/claimant would need skilled care in a skilled nursing facility if home health care services not provided; 2. By requiring...”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.11(A) (Requirement to Offer Inflation Protection)
“A. No insurer may offer a long-term care insurance policy unless the insurer also offers to the policyholder the option to purchase a policy that provides for benefit levels to increase with benefit maximums or reasonable durations which are meaningful to account for reasonably anticipated...”
19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.18(A) (Requirement to Deliver Shopper's Guide)
“A. A long-term care insurance shopper’s guide in the format developed by the National Association of Insurance Commissioners, or a guide developed or approved by the Commissioner, shall be provided to all prospective applicants of a long-term care insurance policy or certificate. 1. In the case of...”

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19 Miss. Admin. Code - Mississippi Insurance Department REGULATIONS on Medicare supplement and long-term care insurance minimum standards is a regulation published by Mississippi Insurance Department (mid.ms.gov). Edition: 19 Miss. Admin. Code, Medicare supplement and long-term care regulations as listed on the MID Regulations page on 2026-09-02.

No. This page summarizes the document and links to the official version. Always rely on the text published by Mississippi Insurance Department (mid.ms.gov) for the current law.

Practice questions for Mississippi Life & Health cite this document.

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