State RegulationsOH specificDifficulty 3/5
A candidate studying for the Ohio examination wants to identify the state authority that defines and classifies the services a health insuring corporation offers. Which source is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 1751.01, within Ohio Revised Code Chapter 1751, is the statutory source that defines HIC services and divides them into basic, supplemental, and specialty classifications; the Ohio Department of Insurance administers and supervises HIC compliance with that framework. The classification is a matter of Ohio statute, not federal program schedules, voluntary model acts, or whatever an individual HIC's advertising happens to state.
Why the other options are wrong
- A) The Medicare benefit schedule governs a federal program and does not define HIC service classifications under Ohio law.
- C) A trade association's model act has no force of law in Ohio unless enacted, and the classification here comes from the Ohio Revised Code itself.
- D) Advertising cannot establish statutory classifications; an HIC's materials must conform to ORC Chapter 1751, not the reverse.
Memory hook
HIC service classes live in ORC 1751.01 — Ohio statute, not ads or models.