State RegulationsOH specificDifficulty 1/5
An Ohio Medicare supplement policyholder who is not satisfied with a newly issued policy may return it for a full premium refund within what period after delivery?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
OAC 3901-8-08(T)(10)(e) requires Medicare supplement policies to prominently print on the first page a notice that the policyholder may return the policy within 30 days of delivery for a full premium refund if not satisfied for any reason. The 30-day free look is a signature senior-protection in Ohio's Med supp regime and is longer than the 10-day rescission Ohio gives for individual sickness and accident policies, so the product context matters.
Why the other options are wrong
- A) 10 days is the free-look period for individual sickness and accident policies under ORC 3923.31, not for Medicare supplements.
- C) No 45-day free look exists for Medicare supplement policies in Ohio.
- D) The 63-day window governs guaranteed-issue rights, not the free-look return period.
Memory hook
Med supp free look = 30 days, notice on page one, refund for any reason.