Under California law (CIC Section 10192.11), when does the Medigap open enrollment period occur, and what protection does it provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California's Medigap open enrollment is a one-time six-month window that starts when an individual is 65 or older and is enrolled in Medicare Part B. During this period, Medigap insurers must accept the applicant and may not use medical underwriting to deny coverage or charge more for health conditions — guaranteed issue in the open enrollment window. Missing this window means future Medigap purchases may be medically underwritten. This is a California-specific Medigap sales rule under CIC Section 10192.11, tested under AH-III.D.1e, and it is distinct from the federal fall election period.
Why the other options are wrong
- B) The fall Annual Election Period (Oct 15 - Dec 7) is for Medicare Advantage and Part D changes; Medigap open enrollment is a separate one-time window.
- C) The window begins at 65 plus Part B enrollment and runs six months; it is not a three-month pre-65 window.
- D) The open enrollment window is tied to age 65 and Part B enrollment, not to age 70.
Memory hook
65 + Part B = start the six-month clock. Insurance must take you, no questions about health.