State RegulationsOH specificDifficulty 1/5
Under Ohio law, when must an issuer file a Medicare supplement advertisement intended for use in this state with the superintendent of insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.336 and OAC 3901-8-08(V) require each issuer to file every Medicare supplement advertisement intended for use in Ohio with the superintendent for review and approval before use. This prior-filing regime lets the Ohio Department of Insurance screen senior-directed advertising for misleading content before consumers see it, rather than policing misleading ads after the damage is done.
Why the other options are wrong
- A) Filing after first use reverses the rule — the filing must precede use so the review happens in advance.
- B) Filing is mandatory for every advertisement intended for use in Ohio, not contingent on a superintendent request.
- C) The obligation attaches to each advertisement before use, not as an annual bundle with other reports.
Memory hook
Med supp ads file first, sell second — prior approval from the superintendent.