Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
During the Medigap open enrollment period, 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
The Medigap open enrollment period begins when a person is 65 or older and enrolled in Medicare Part B. During this window, insurers must issue any standardized Medigap policy to the applicant regardless of health status, with no medical underwriting, no denial, and no premium discrimination based on health. This guaranteed issue protection is a core Medigap consumer rule, mirrored in California by CIC Section 10192.11.
Why the other options are wrong
- B) Denying applicants for health reasons during the open enrollment window is prohibited; coverage is guaranteed.
- C) Health-based premium differences are barred during open enrollment; all eligible applicants pay the standard rate.
- D) Physical exams and medical questionnaires are not required during the open enrollment window.
Memory hook
Open enrollment = Medigap's no-questions-asked window: issue guaranteed, health never a factor.