State RegulationsOH specificDifficulty 2/5
Which statement about long-term care planning programs in Ohio is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Ohio law recognizes the state's Long-Term Care Partnership program under ORC 3923.41 et seq. and the framework of OAC 3901-4-01. The program is a public-private initiative designed to encourage Ohioans to plan ahead for long-term care needs by linking qualified private LTC insurance with Medicaid-related asset protections, reducing reliance on Medicaid alone. The Ohio Department of Insurance oversees consumer disclosures connected with the program.
Why the other options are wrong
- A) Ohio does not prohibit the program; the Partnership exists under Ohio law to promote LTC planning.
- C) Partnership policies supplement long-term care planning; they do not replace Medicare supplement coverage.
- D) Partnership policies are available to the general insurable public, not exclusively to state employees.
Memory hook
Partnership = private LTC + Medicaid asset shield, planning ahead in Ohio.