State RegulationsOH specificDifficulty 2/5
A Cleveland school district wants accident coverage that automatically protects every student participating in school-sponsored trips, with no individual applications or health questions. The most appropriate vehicle under ORC 3923.13 is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The participating students on school-sponsored trips form a constantly changing group, and the district wants protection without individual applications or medical underwriting — exactly the situation ORC 3923.13 contemplates for blanket policies. The blanket form lets the policyholder cover every eligible member of the fluid group automatically.
Why the other options are wrong
- A) A MEWA under ORC Chapter 1739 is a joint arrangement of multiple employers providing welfare benefits, not accident coverage for a school's changing student group.
- B) ORC 3924 governs small-employer health plans, which do not fit a school trip exposure.
- C) Individually underwritten policies for each student contradict the district's need for automatic, no-questions coverage and are far less practical.
Memory hook
Field trips, teams, travelers — changing groups ride on a blanket policy.