State RegulationsOH specificDifficulty 1/5
Under Ohio law, what must an insurer obtain before conducting an HIV-related test on an insurance applicant?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3901.46(A) and (B)(1) require specific informed written consent before HIV-related testing. This is a stricter standard than general medical consent: the consent must be in writing and must be specific and informed. Oral agreement, the routine nature of a paramedical exam, or the applicant's prior test history does not substitute for the written consent the statute demands.
Why the other options are wrong
- A) Oral consent is insufficient — ORC 3901.46 requires the consent to be specific, informed, and written.
- B) Prior test results are irrelevant; every HIV-related test requires the written consent regardless of the applicant's history.
- C) The routine character of a paramedical exam does not waive the consent requirement imposed by ORC 3901.46.
Memory hook
HIV test = specific, informed, in writing.