State RegulationsOH specificDifficulty 2/5
An applicant in Columbus completes a Medicare supplement application through a licensed producer. When must the issuer deliver the outline of coverage to the applicant?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
OAC 3901-8-08(T)(12) requires the issuer to provide an outline of coverage to all Medicare supplement applicants at the time the application is presented, with a signed acknowledgment of receipt (direct-response solicitations being the exception). Delivery timing matters: the applicant must be able to compare benefits before committing, and a substitute outline must accompany the policy if a different policy is issued.
Why the other options are wrong
- B) Waiting until after delivery defeats the purpose of the outline; Ohio requires it when the application is presented.
- C) The outline is not optional or request-driven; it must be provided to every applicant at application time.
- D) The outline of coverage is a sales-stage disclosure, not a claim-stage document.
Memory hook
Outline of coverage goes in the applicant's hands with the application.