State RegulationsOH specificDifficulty 1/5
How does a Medicare SELECT policy differ from a standard Medicare supplement policy sold in Ohio?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under the Medicare supplement provisions of OAC 3901-8-08, a Medicare SELECT policy is a Medicare supplement product that conditions payment on using a contracted network of providers, with exceptions for emergency care, and rewards the network restriction with lower premiums. If the insured uses out-of-network providers for non-emergency care, the policy may limit or deny those benefits, which is the SELECT feature that distinguishes it from standard plans.
Why the other options are wrong
- A) SELECT policies supplement Medicare across the plan's benefits; they are not limited to skilled nursing facility care.
- B) Medicare supplement benefits coordinate with Medicare from the first dollar of covered cost; they are not exhaustion-based.
- D) SELECT is a Medicare supplement alternative to Medicare Advantage, not a product tied to Medicare Advantage enrollment.
Memory hook
SELECT = network or pay less coverage, emergencies excepted.