State RegulationsOH specificDifficulty 1/5
Under Ohio Medicare supplement rules, when must an issuer deliver the outline of coverage to an applicant?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
OAC 3901-8-08(T)(12) requires the issuer to provide an outline of coverage to all applicants at the time application is presented, with a signed acknowledgment except in direct-response sales. Delivering the outline at application ensures the applicant understands the benefits before committing, and if the policy issued differs from the one applied for, a substitute outline must accompany the policy.
Why the other options are wrong
- A) Waiting until after policy delivery defeats the purpose of the outline, which must precede the buying decision.
- B) The outline is provided automatically at application; it does not depend on a written request.
- D) Claim time is far too late — the disclosure duty attaches when the application is presented.
Memory hook
Outline at application — show the plan before they sign.