text: The offer may be deferred for persons who are already receiving payments under a policy or are in their elimination period. For example, a person in a nursing home who is getting reimbursed for nursing home expenses by their long term care policy will not get an exchange offer. The exchange offer also does not have to be made if the insured would have to purchase additional benefits to qualify under the partnership program and he/she is not eligible to receive these new benefits under the insurer’s underwriting guidelines. In other words, if you have to qualify for a better insurance policy, the company can refuse to issue the policy based upon your current health status. If offered, any rate increase can only apply to the increased benefit portion and rates must remain the same for the benefits under the new policy that are the same as those of your existing policy. If the old policy is actually better than the new policy, then the company cannot require an underwriting process and must continue to charge the same rates. The rate must be based upon the original issue date and risk class of the insured that was used to determine the rate of the old policy.
  For those persons with a policy issued before 8/12/02, the insurance company is not required to offer an exchange. However, if they choose to make such an offer, it must meet all the above requirements. The insurance companies must file their new partnership program certification and policy with the Ohio Department of Insurance before offering these new policies. If you have any questions concerning your policy, call your insurance agent.
  
  Add a lovely touch to your spring bouquets, floral arrangements and wreath projects with this pretty coral poppy bush. Place in a simple vase on its own or in a wicker basket with pink daisies and greenery on a windowsill or table to brighten any room.