State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10192.11, the Medigap open enrollment period provides:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California's Medigap open enrollment period mirrors the federal six-month rule: it begins when an individual 65 or older is enrolled in Medicare Part B and lasts for six months. During this window, insurers must issue Medigap policies without medical underwriting or health questions, and the individual cannot be denied coverage or charged a higher premium because of health status. After the period closes, access to Medigap may require underwriting and can be denied. This rule is examined under the Medigap provisions of AH-III.D.1e.
Why the other options are wrong
- B) Medigap open enrollment is a one-time six-month window, not an annual repeating period.
- C) Open enrollment does not waive premiums; the insured still pays the policy premium.
- D) The window applies to those 65 or older enrolling in Part B, not to applicants of any age.
Memory hook
Six months, once in a lifetime, tied to Part B: the Medigap golden window.