Free Senior and Special Needs Study Guide
Mississippi Accident & Health exam — Senior and Special Needs.
The national Senior and Special Needs guide covers Medicare, the standardized Medigap plans, Medicaid and long-term care concepts, with the 2026 Medicare figures. This guide covers Mississippi's own rules. They come from the Medicare supplement regulation (19 Miss. Admin. Code Pt. 3, Ch. 10) and the long-term care regulation (Reg. 90-102, Pt. 3, Ch. 8).
Medicare supplement
| Rule | Mississippi requirement |
|---|---|
| Free look | 30 days from delivery for a premium refund |
| Open enrollment | No denial or conditions on issue during the 6 months starting with the first month the person is both 65 or older and enrolled in Part B (Rule 10.11) |
| Guaranteed issue periods | End 63 days after the applicable coverage ends (Rule 10.12) |
| Pre-existing conditions | No exclusion for losses more than 6 months after the effective date |
| Duplicate coverage | No sale that leaves a person with more than one Medigap policy (Rule 10.21) |
| Loss ratios | At least 65% of premium returned as benefits on individual policies, and 75% on group (Rule 10.14) |
| Compensation | First-year commission is capped at 200% of the second year's. Renewal commission equals the second year's for at least 5 renewal years. |
| Plans C and F | For people newly eligible on or after January 1, 2020, references to Plans C and F mean Plans D and G |
Long-term care insurance (Reg. 90-102)
| Rule | Mississippi requirement |
|---|---|
| Definition | Coverage for at least 12 consecutive months per covered person (Rule 8.04) |
| Free look | 30 days from delivery (Rule 8.06) |
| Renewability | Individual policies must be at least guaranteed renewable. No cancellation for age or declining health (Rules 8.06, 8.07). |
| Pre-existing conditions | Look-back limited to 6 months before the effective date |
| Prior stays | No prior hospitalization requirement. No prior institutional stay of more than 30 days. |
| Levels of care | A policy can't cover skilled care only, or give much more coverage for skilled care than for lower levels |
| Inflation protection | Must be offered (Rule 8.11) |
| Disclosures | An outline of coverage at initial solicitation, and the shopper's guide before the application (Rules 8.06, 8.18) |
| Replacement question | The application asks whether the policy will replace other coverage (Rule 8.12) |
| Loss ratio | Benefits are reasonable at an expected loss ratio of at least 60% (Rule 8.15) |
Licensing: selling LTC requires the accident and health line of authority (Department FAQ).
Common exam traps
- Medigap and LTC free looks: both 30 days.
- Medigap guaranteed issue periods end 63 days after the old coverage ends.
- Medigap loss ratios: 65% individual, 75% group. LTC: 60%.
- LTC can't require a prior hospital stay, or an institutional stay of more than 30 days.
- Selling LTC requires the A&H license.
Practice Senior and Special Needs questions All Accident & Health topics
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
