State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
During a senior's Medicare Supplement (Medigap) open enrollment period in California, an insurer must:
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 C is correct
California law establishes a Medigap open enrollment period, tied to Insurance Code Section 10192.11, during which insurers must accept applicants and issue coverage without medical underwriting. The insurer cannot deny the policy or charge a higher premium because of the applicant's health status or pre-existing conditions. After this window closes, insurers may use medical underwriting, which is why consumers are encouraged to buy Medigap during open enrollment.
Why the other options are wrong
- A) Denying coverage based on health history during the open enrollment period violates the guaranteed-access rules of Section 10192.11.
- B) Charging higher premiums for pre-existing conditions during open enrollment is prohibited; health status may not be rated in that window.
- D) Medical examinations are not required during Medigap open enrollment; coverage is issued without health screening.
Memory hook
Medigap open enrollment = no health questions, no denial, no surcharge. Buy it while the door is open.