State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
During the Medigap open enrollment period, which begins when a person age 65 or older is enrolled in Medicare Part B, insurers 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 A is correct
The Medigap open enrollment period is a six-month period that begins when the individual is both age 65 or older and enrolled in Medicare Part B. During this period, insurers may not deny a Medigap policy and may not use medical underwriting — the beneficiary can buy any policy sold in the state. California law codifies this protection in Insurance Code Section 10192.11, which the senior products objectives identify as a California Medigap rule.
Why the other options are wrong
- B) Medical underwriting is prohibited during the open enrollment period; the protection is exactly that coverage cannot be denied for health reasons.
- C) During open enrollment, premiums for the same policy are not surcharged for preexisting conditions; all applicants in the period are treated the same.
- D) Open enrollment begins at age 65 with Part B enrollment; waiting until 70 would forfeit the protected window.
Memory hook
Medigap open enrollment = six months, one shot: enroll with Part B and the insurer cannot ask about your health.