Under California law, the Medigap open enrollment period begins when an individual is both age 65 or older and:
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 under CIC Section 10192.11 begins once the individual is both age 65 or older and enrolled in Medicare Part B, and it lasts six months. During this period, insurers must sell a Medigap policy without medical underwriting and may not deny coverage or charge more for health conditions. Enrolling in Medigap during this window guarantees access regardless of health status. After the window closes, medical underwriting generally applies. Because the guarantee applies only during this window, agents should advise clients approaching age 65 to prepare for Medigap enrollment promptly. Missing the open enrollment window can mean being denied coverage or paying more due to health status.
Why the other options are wrong
- B) Medigap is sold to supplement Original Medicare, not Medicare Advantage; MA enrollees cannot use Medigap to pay their cost-sharing.
- C) The trigger is enrollment in Part B, not payment of Part A premiums for a year.
- D) Applying for Social Security is not the trigger; the period opens with age 65 plus Part B enrollment.
Memory hook
65 plus Part B = six months of no-questions-asked Medigap. After that, health answers decide.