State RegulationsOH specificDifficulty 1/5
The primary purpose of a Medicare supplement (Medigap) policy sold in Ohio is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A Medicare supplement policy is designed to fill the gaps in Medicare — deductibles, coinsurance, and copayments and other uncovered charges — which is why Ohio regulates the product under the Medicare supplement provisions of ORC 3923.331 through 3923.336 and OAC 3901-8-08. Because the policy supplements Medicare, it is sold to persons enrolled in Medicare, and Ohio law reinforces the design by prohibiting any benefit that would duplicate Medicare itself.
Why the other options are wrong
- A) A supplement does not replace Medicare; Medicare Advantage plans are a separate coverage arrangement, and Medigap policies are not designed to substitute for either.
- B) The product presupposes Medicare enrollment — it supplements existing Medicare coverage rather than serving as primary hospital coverage.
- C) Long-term custodial care is the province of long-term care insurance, a distinct product line governed by different Ohio rules.
Memory hook
Medigap fills Medicare's gaps — deductibles and coinsurance, not replacement.