State RegulationsOH specificDifficulty 2/5
A Youngstown resident owns a Medicare SELECT policy and needs urgent treatment while traveling outside the policy's network area. Under Ohio's Medicare supplement rules, which statement is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
The Medicare SELECT provisions in OAC 3901-8-08 permit the network requirement to be waived for emergency care. A SELECT policy conditions routine, non-emergency benefits on using network providers, but emergency treatment obtained outside the network remains covered. Rescission and total forfeiture are not among the permitted consequences of out-of-network use.
Why the other options are wrong
- A) The network requirement carries an emergency exception, so emergency benefits are not forfeited.
- C) Rescission of the policy is not a permitted response to out-of-network emergency care under Ohio's SELECT rules.
- D) The out-of-network consequence is limited to the non-emergency benefits affected; it does not strip all future coverage.
Memory hook
SELECT's network rule bends for emergencies.