When must an agent deliver the Outline of Coverage to a Medicare Supplement applicant according to Florida law?

Delivering the Outline of Coverage to a Medicare Supplement applicant at the time of application is essential for ensuring that the applicant receives vital information about the policy they are considering. This requirement reflects the intent of Florida law to promote transparency and informed decision-making in insurance matters, particularly for Medicare Supplement policies, which can be complex and have significant implications for healthcare coverage.

By providing the Outline of Coverage upfront, applicants are able to review the benefits, limitations, and exclusions of the policy before committing to it. This early delivery empowers individuals to make an informed choice based on a clear understanding of the products available, reducing the likelihood of confusion or regret later on.

In contrast, the other choices suggest alternative timelines for providing the Outline, which do not align with the law's intent to promote immediate access to critical policy information for consumers at the very onset of the application process.