State RegulationsOH specificDifficulty 2/5
An Ohio issuer files its Medicare supplement advertisement with the superintendent for review and the superintendent takes no disapproval action. Under OAC 3901-8-08(V), the advertisement is:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The prior-filing system of ORC 3923.336 and OAC 3901-8-08(V) includes a deemed-approval safeguard: if the superintendent does not disapprove the filed Medicare supplement advertisement within 30 days, it is deemed approved and may be used. This keeps the review process from stalling issuers indefinitely while preserving the superintendent's authority to act within the review window.
Why the other options are wrong
- A) Silence for 30 days produces deemed approval; no signed order is required for the advertisement to be usable.
- B) Approval is not instantaneous — the 30-day review period must run before the deemed approval takes effect.
- D) A 1-year sunset for deemed approval is not part of the Ohio rule.
Memory hook
File it, wait 30 days, no word means go — deemed approval.