State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
During the Medigap open enrollment period, which begins when a beneficiary turns 65 and enrolls in Medicare Part B, an insurer may:
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 on the first day of the month the beneficiary is both age 65 or older and enrolled in Medicare Part B, and it lasts for six months. During this window, insurers must sell a Medigap policy to the applicant and may not deny coverage, impose preexisting condition waiting periods in most cases, or charge more because of health status. California law, CIC Section 10192.11, enforces this protected enrollment right. After the window closes, beneficiaries may face medical underwriting and higher or denied rates.
Why the other options are wrong
- B) A full medical exam is not required during open enrollment; guaranteed issue protections apply without medical underwriting.
- C) Health history may not be used to set premiums during the Medigap open enrollment period.
- D) An insurer cannot refuse to sell Plan A during open enrollment; the protected period guarantees access to standardized plans.
Memory hook
Medigap open enrollment = six months of guaranteed issue. Health never blocks the sale.