State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
Under California's guaranteed issue rules for Medigap policies (Insurance Code Section 10192.12), an individual who loses certain types of health coverage is entitled to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California's Medigap guaranteed issue rights under CIC Section 10192.12 protect individuals who lose certain health coverage — for example, losing employer group coverage, losing Medi-Cal, or leaving a Medicare Advantage plan when it discontinues service in their area. These individuals may purchase specified Medigap policies without medical underwriting, even outside the open enrollment period. This consumer protection operates when coverage is involuntarily lost, and it is tested as a California Medigap rule.
Why the other options are wrong
- B) Guaranteed issue provides the right to buy coverage without underwriting; it does not refund premiums already paid.
- C) Guaranteed issue applies to Medigap, not to automatic enrollment in Medicare Advantage (Part C).
- D) Guaranteed issue does not freeze premiums; Medigap premiums remain subject to the policy's rating rules.
Memory hook
Lose your coverage through no fault of your own, and California lets you buy Medigap without a health interrogation.