State RegulationsOH specificDifficulty 3/5
A producer in Toledo proposes replacing a Medicare supplement policy that has been in effect for only 2 months. Under the Ohio Medicare supplement replacement rules, what is the effect of the replacement protection?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
OAC 3901-8-08(M)(13)(2) keys the no-new-preexisting-condition protection to a replaced Medicare supplement policy that has been in effect at least 6 months. A policy in force only 2 months does not meet that threshold, so the replacing policy may impose a new preexisting-condition period. On the Ohio examination this 6-month threshold is the tested trigger for the replacement protection.
Why the other options are wrong
- A) The protection is conditional on the 6-month duration of the replaced policy; it does not apply to every replacement.
- C) No rule requires a blanket waiver of preexisting conditions on replacement; only the 6-month threshold triggers the bar on new periods.
- D) The threshold is 6 months, not 2 years; 2 years is an incontestability-style figure, not the Medicare supplement replacement trigger.
Memory hook
Six months in force unlocks the no-new-waiting protection.