Ohio Life & Health Insurance Practice Test

Why B is correct

Preventive care is one of the categories of basic health services that ORC 1751.01(A) requires an Ohio HIC to make available. Its purpose is anticipatory — routine examinations, screenings, and immunizations aimed at detecting or averting illness before it becomes advanced — which complements, rather than replaces, the diagnostic and treatment services also found in the basic tier of the Ohio Revised Code Chapter 1751 framework supervised by the Ohio Department of Insurance.

Why the other options are wrong

• A) Preventive care targets early detection and aversion of illness; it does not replace physician services for diagnosed conditions.
• C) Benefits triggered only by hospitalization for emergencies describe emergency care, not preventive services.
• D) Shifting care costs to providers is not a function of any basic health service category.

Memory hook

Preventive care stops trouble early — checkups and shots before sickness starts.

Why B is correct

Under ORC 3923.41 to 3923.50 and OAC 3901-4-01, long-term care insurance in Ohio is not limited to skilled nursing facilities; assisted living facility care may be covered as an alternative care setting for insureds who need help with daily activities but do not require full institutional care. The Ohio Department of Insurance treats assisted living among the standard LTC service settings producers must understand.

Why the other options are wrong

• A) No hospital-stay prerequisite applies to assisted living benefits; that misstates the prior-stay limit concept.
• C) Ohio LTC coverage is not confined to nursing homes; alternative settings such as assisted living may be covered.
• D) Assisted living coverage is a long-term care insurance matter under Ohio law, not a Medicare benefit tied to age 65.

Memory hook

Assisted living = LTC's middle setting — more than home, less than a nursing home.

Why A is correct

Ohio's insurance information privacy framework, including ORC 3904.01(R), ORC 3904.04, ORC 3904.14, and ORC 3965.01 to 3965.11, restricts an insurer's use and disclosure of the personal information it collects. Information gathered in the insurance relationship may be disclosed only for permitted purposes or with proper authorization, and the Ohio Department of Insurance enforces these information-practices rules.

Why the other options are wrong

• B) Collecting information does not make it freely usable; the privacy statutes in ORC 3904 and ORC 3965 constrain disclosure regardless of who holds the data.
• C) A third party's confidentiality promise does not substitute for the statutorily required authorization or permitted purpose under Ohio's privacy provisions.
• D) The rules restrict disclosure but do not ban it absolutely; with the individual's proper authorization or another permitted basis, disclosure can lawfully occur.

Memory hook

Applicant data is locked — unlock only with authorization or a permitted purpose.