State RegulationsOH specificDifficulty 2/5
An Ohio issuer wants to add an extra benefit to a Medicare supplement policy beyond its standard package. Under Ohio law, the additional benefit:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
The non-duplication command of ORC 3923.332(A) applies to everything a Medicare supplement policy contains, including any additional benefits layered beyond the standard package. OAC 3901-8-08 carries the same standard into Ohio's product and marketing review: whatever the benefit, it must supplement rather than duplicate Medicare. Disclosure does not cure duplication, and the design constraint is a state-law product standard enforced through the Ohio Department of Insurance.
Why the other options are wrong
- A) Ohio's rule restricts duplication of Medicare; it does not mandate an identical additional-benefit menu across issuers.
- C) Clear disclosure in the outline of coverage cannot legalize a benefit that duplicates Medicare — the statutory bar is absolute.
- D) Federal Medicare program approval is not the gate for benefit design; the prohibition is Ohio law under ORC 3923.332(A).
Memory hook
Extras must still clear Medicare — no duplication, disclosed or not.