State RegulationsOH specificDifficulty 2/5
An Ohio applicant applies for Medicare supplement Plan G, but the issuer issues a policy with different benefits than the one applied for. Under OAC 3901-8-08, what must accompany the issued policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
OAC 3901-8-08(T)(12) provides that if the Medicare supplement policy issued differs from the policy applied for, a substitute outline of coverage must accompany the policy. This ensures the policyholder receives disclosure matching the coverage actually issued rather than the coverage originally requested, keeping the sales disclosure accurate.
Why the other options are wrong
- B) Nothing in the rule requires a new application; the required companion document is the substitute outline of coverage.
- C) The Medicare supplement free look is 30 days, not 10 days, and the required accompaniment is the substitute outline.
- D) A letter from a previous insurer relates to replacement situations, not to a mismatch between the applied-for and issued policy.
Memory hook
Issued something different? Ship a substitute outline with it.