State RegulationsOH specificDifficulty 2/5
A producer in Dayton meets parents whose children have no health coverage and whose household income is modest. Which statement accurately describes what Ohio's Children's Health Insurance Program offers this family?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
CHIP is a government program, not a commercial product. Ohio administers it under ORC Chapters 5160 and 5161, so the appropriate course is to inform the family about the public program rather than to promise commercial coverage or a no-cost rider. Producers must also avoid misrepresenting benefits, an unfair practice the Ohio Department of Insurance enforces.
Why the other options are wrong
- A) CHIP is not a commercial policy sold for commission; it is a public program under ORC Chapters 5160 and 5161.
- B) There is no guaranteed-issue rider mechanism; CHIP is a standalone public program.
- C) CHIP serves uninsured children in eligible families; Medicare supplement coverage is a separate senior product.
Memory hook
CHIP = public program, not a product — refer, don't sell.