State RegulationsOH specificDifficulty 2/5
Under Ohio law, which benefits may a Medicare supplement policy contain?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.332(A) provides that no Medicare supplement policy or certificate may contain benefits that duplicate benefits provided by Medicare. The product exists to fill gaps in Medicare, so a provision paying what Medicare already pays would be redundant coverage paid for twice. Issuers designing Medicare supplement products in Ohio must therefore screen every benefit against Medicare coverage before filing the form with the Ohio Department of Insurance.
Why the other options are wrong
- B) An issuer may not simply design any benefit it wishes; benefits duplicating Medicare are expressly barred by ORC 3923.332(A).
- C) A premium discount does not cure the prohibition — duplicating Medicare benefits is unlawful regardless of how the policy is priced.
- D) The rule concerns non-duplication of Medicare, not identity with other issuers' products; standardized plan designs are a separate marketing concept.
Memory hook
Med supp fills Medicare's gaps — it never covers ground Medicare already owns.