State RegulationsOH specificDifficulty 3/5
A producer takes an application for a new Medicare supplement policy that will replace an existing policy the applicant has carried for more than 6 months. Under OAC 3901-8-08(M)(13)(2), the new policy may:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
OAC 3901-8-08(M)(13)(2) protects continuity when a Medicare supplement policy replaces one that has been in effect for at least 6 months: the new policy may not impose any new preexisting-condition, waiting, elimination, or probationary periods. The rule prevents issuers from using a replacement sale to restart exclusions the policyholder had already satisfied, keeping coverage seamless across the swap.
Why the other options are wrong
- A) A new preexisting-condition exclusion is exactly what the replacement rule forbids once the replaced policy has run 6 months.
- B) A health change does not unlock a new waiting period; the prohibition applies categorically to qualifying replacements.
- C) A new probationary period is likewise barred for replacements of policies in effect at least 6 months.
Memory hook
Replace after 6 months, restart nothing — no new waits, no new exclusions.