State RegulationsOH specificDifficulty 1/5
Under Ohio's Medicare supplement marketing standards, 'cold lead advertising' is permissible only if the advertisement:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Ohio's Medicare supplement marketing standards under OAC 3901-8-08(R) prohibit cold lead advertising unless it discloses that its purpose is the solicitation of insurance. The rule prevents consumers from being lured by generic mailers or inquiries that disguise an insurance sales pitch as something else. Without the insurance-purpose disclosure, the advertisement is prohibited outright, regardless of audience or timing.
Why the other options are wrong
- A) Filing timing does not rescue a cold lead ad; the required element is the on-face disclosure of the solicitation purpose.
- B) The audience's Part B status is irrelevant to whether cold lead advertising is permissible.
- C) Response deadlines and discounts have nothing to do with the cold lead disclosure requirement.
Memory hook
Cold leads must say they're selling insurance — hide the pitch, lose the ad.