State RegulationsOH specificDifficulty 2/5
A Dayton policyholder receives her Medicare supplement policy, which prominently prints on the first page a notice of her return rights. She decides shortly after delivery that the coverage does not meet her needs. Under Ohio law, she may:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
OAC 3901-8-08(T)(10)(e) gives the Medicare supplement policyholder an unconditional right: return the policy within 30 days of delivery for a full premium refund if not satisfied for any reason. No stated cause is required, and the refund is the full premium rather than a per diem net amount — which distinguishes the Med supp free look from the pro rata mechanics of the individual A&H rescission rule under ORC 3923.31.
Why the other options are wrong
- B) The right is unconditional — 'for any reason' — so being misled is not a prerequisite to the refund.
- C) A per diem charge belongs to the A&H free-look mechanics where coverage was pro rata; the Med supp free look returns the full premium.
- D) There is no first-year return right; the window is 30 days from delivery.
Memory hook
Any reason, full refund, 30 days — the Med supp free look is unconditional.