State RegulationsIL specificDifficulty 2/5
Under 215 ILCS 5/363, when must a Medicare supplement issuer notify a policyholder about the upcoming annual birthday open enrollment period?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
215 ILCS 5/363 obliges the issuer to notify each Medicare supplement policyholder of the upcoming birthday open enrollment period 30 to 60 days before the window begins, so the policyholder has time to evaluate a switch to equal or lesser benefits. The notice duty backs the annual 45-day birthday window for policyholders aged 65 to 75 and is enforced by the Illinois Department of Insurance.
Why the other options are wrong
- B) The statutory notice window is 30 to 60 days before the enrollment window, not 90 days before the birthday.
- C) A notice sent only after the birthday has passed would arrive after the window opened, defeating the 30-to-60-day advance-notice requirement.
- D) The issuer's notice duty is affirmative under 215 ILCS 5/363; it does not depend on a written request from the policyholder.
Memory hook
Thirty to sixty ahead: the issuer must warn you before your birthday window.