Which of the following represents the correct requirement before plan changes or application updates?

• A. A payment receipt
• B. A witness signature
• C. A signed contract with the insurer
• D. A record from the consumer

Answer: (D)

The main idea here is that any changes to a consumer’s plan or updates to their application must be driven by documentation provided by the consumer. Having a record from the consumer creates a verifiable, auditable request that shows the consumer’s intent and authorization for the change, which helps ensure accuracy and prevents unauthorized updates.

That’s why the correct choice—record from the consumer—is the best answer. It directly documents the consumer’s instruction and consent before any changes are processed, which is a standard requirement in the enrollment workflow.

The other options don’t fit because a payment receipt relates to paying premiums rather than initiating changes, a witness signature isn’t a typical requirement for plan changes or application updates, and a signed contract with the insurer is usually a downstream result of enrollment rather than a prerequisite for updating the application.