State RegulationsOH specificDifficulty 3/5
A Cleveland issuer offers three Medicare supplement plans. Which practice disadvantages applicants who enroll during the open enrollment period and is therefore prohibited?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
OAC 3901-8-08(R) requires that preexisting-condition waiting periods, rating, and plan availability not disadvantage open enrollees, and OAC 3901-8-08(N)(1) bars denial, conditioning, or price discrimination based on health status during open enrollment. A waiting period applied only to open-enrollment applicants conditions their enrollment on a penalty and is prohibited under both provisions.
Why the other options are wrong
- A) Equal commission treatment is exactly what the rules contemplate; it does not disadvantage anyone.
- B) Offering all then-available plans without regard to age is required of issuers during open enrollment, not prohibited.
- D) Charging the same premium regardless of health status is the non-discrimination standard Ohio mandates, not a violation.
Memory hook
No extra waiting periods, no rating penalties, no plan gating for open enrollees.