State RegulationsOH specificDifficulty 1/5
Under Ohio Medicare supplement law, which of the following entities qualifies as an 'issuer' of Medicare supplement coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.33 defines 'issuer' broadly for the Medicare supplement chapter to include insurance companies, fraternal benefit societies, and health insuring corporations (HICs). This breadth matters because all of these entities' Medicare supplement marketing, filing, and policy-design conduct is subject to the same Ohio requirements administered by the Ohio Department of Insurance, and the definitions also distinguish 'direct response' marketing, which is solicitation without direct agent involvement.
Why the other options are wrong
- A) The definition is not limited to licensed insurance companies; fraternal benefit societies and HICs also qualify as issuers.
- B) Fraternal benefit societies are expressly included in the statutory definition, so excluding them misstates ORC 3923.33.
- C) Medicare administrative contractors are federal payment agents; Medicare supplement issuers are the entities defined by ORC 3923.33.
Memory hook
Issuer = insurers + fraternal + HICs — three doors into Ohio Med supp rules.