State RegulationsOH specificDifficulty 2/5
An Ohio applicant applies for one Medicare supplement policy, but the issuer ultimately issues a different policy that differs from the one applied for. Under OAC 3901-8-08(T)(12), the issuer must:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
OAC 3901-8-08(T)(12) anticipates substitutions: when the Medicare supplement policy issued differs from the policy the applicant applied for, the issuer must provide a substitute outline of coverage that accompanies the policy. This preserves the applicant's right to an accurate, current description of the actual benefits at the moment of delivery, maintaining the informed-consent purpose of the outline requirement.
Why the other options are wrong
- A) Substitution does not void the sale; the rule's remedy is the substitute outline accompanying the policy.
- B) The substitute outline is mandatory without any request from the applicant.
- C) Superintendent approval of the substitution is not the mechanism — the outline delivery duty is.
Memory hook
Policy changed? Outline must follow — substitute outline travels with the policy.