The Medigap open enrollment period under California law (CIC §10192.11) begins when the applicant:

Why A is correct

Under California law (CIC §10192.11), the Medigap open enrollment period begins when an applicant who is 65 or older is enrolled in Medicare Part B. During this period, an insurer may not deny a Medigap policy or impose pre-existing condition exclusions based on health status, giving the beneficiary a guaranteed right to purchase a standardized supplement. The Part B enrollment trigger is the defining feature of the open enrollment period, so A correctly identifies when the period begins under California law.

Why the other options are wrong

• B) Filing a claim is not an enrollment trigger; the open enrollment period starts with age-65 Part B enrollment, not with any claim event. Claims activity never triggers the open enrollment window; only Part B enrollment does.
• C) Medigap attaches to Medicare Part B at age 65; buying individual health insurance at age 62 does not begin any Medigap enrollment window. Individual health insurance purchased at 62 is unrelated to the Medigap open enrollment period.
• D) Enrolling in a Medicare Advantage plan does not start the Medigap open enrollment period; MA enrollment generally ends any active Medigap relationship. Joining an MA plan typically ends the right to hold a Medigap policy rather than opening a window.

Memory hook

Medigap's clock starts with 65 + Part B. In that window, health questions are off the table.