Regulation · Pennsylvania

Pennsylvania Medicare Supplement Insurance Minimum Standards, 31 Pa. Code Chapter 89, Subchapter K (§§ 89.770: 89.791)

Publisher: Pennsylvania Code, Insurance Department
Edition: Pennsylvania Code changes effective through 56 Pa.B. 3438
Last checked: 2026-09-10
Status: 31 Pa

Edition and licensing notes

Publisher. Pennsylvania Code, Insurance Department (pacodeandbulletin.gov)

Edition. Pennsylvania Code changes effective through 56 Pa.B. 3438 (June 6, 2026)

Status. 31 Pa.

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What this document is

Pennsylvania Medicare Supplement Insurance Minimum Standards, 31 Pa. Code Chapter 89, Subchapter K (§§ 89.770 - 89.791) is a regulation published by Pennsylvania Code, Insurance Department (pacodeandbulletin.gov). It is one of the Pennsylvania documents that insurance license exam questions are written from, including pennsylvania 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

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31 Pa. Code § 89.787(c) (Appropriateness of Recommended Purchase and Excessive Insurance)
“An issuer may 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.”
31 Pa. Code § 89.789(a) (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, the replacing issuer shall waive time periods applicable to preexisting conditions, waiting periods, elimination periods and probationary periods in the new Medicare supplement policy or...”
31 Pa. Code § 89.778(a)(2) (Open Enrollment)
“Each Medicare supplement policy and certificate currently available from an issuer shall be made available to applicants who qualify under this subsection without regard to age. In the case of group policies, an issuer may condition issuance on whether an applicant is a member or is eligible for...”
31 Pa. Code § 89.783(a)(3) (Required Disclosure Provisions)
“Medicare supplement policies or certificates may not provide for the payment of benefits based on standards described as ‘‘usual and customary,’’ ‘‘reasonable and customary’’ or similar words.”
31 Pa. Code § 89.784(4)(i) (Requirements for Application Forms and Replacement Coverage)
“If a sale involves replacement of Medicare supplement coverage, an 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 Medicare supplement coverage....”
31 Pa. Code § 89.774(b) (Exclusions and Limitations)
“A Medicare supplement policy or certificate may not use waivers to exclude, limit or reduce coverage or benefits for specifically named or described preexisting diseases or physical conditions.”

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