During the Medigap open enrollment period under California law, insurers:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Insurance Code Section 10192.11 establishes the Medigap open enrollment period, during which insurers are required to accept applicants without medical underwriting and without rating up premiums for health status. The open enrollment period generally begins when a beneficiary age 65 or older first enrolls in Medicare Part B and runs for a limited window. This guaranteed-issue protection is the reason beneficiaries are urged to buy Medigap when first eligible. Outside the window, medical underwriting may apply and coverage can be denied or priced higher based on health, which makes the open enrollment protection valuable and exam-relevant.
Why the other options are wrong
- B) Medical underwriting and health-status denials are prohibited during the open enrollment window. That is the entire point of the guaranteed-issue protection under Section 10192.11.
- C) Medigap policies are guaranteed renewable and cannot be canceled for reasons unrelated to nonpayment of premium, least of all without cause during the open enrollment period.
- D) Insurers must offer Plan A and either Plan C or Plan F, and they may offer the full range of standardized plans. They are not limited to selling only Plan A.
Memory hook
Medigap open enrollment = the no-questions-asked, no-exam admission window.