Under California law, the Medigap open enrollment period begins when a beneficiary...
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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, codified in the insurance code around Section 10192, begins when a person age 65 or older enrolls in Medicare Part B and lasts for six months. During this window, insurers must offer Medigap coverage on a guaranteed-issue basis: they cannot decline an applicant, impose preexisting condition waiting periods, or charge more because of health status. After the window closes, medical underwriting generally applies and coverage may be harder to obtain. The six-month, no-underwriting open enrollment is a California-specific Medigap rule and a frequent exam question in the senior health products section.
Why the other options are wrong
- B) Medigap open enrollment begins at 65 with Part B enrollment, not at age 62.
- C) Medicare Advantage enrollment is a separate decision and does not start the Medigap window.
- D) The window opens upon Part B enrollment and turning 65, not upon filing a claim.
Memory hook
First six months after Part B at 65 = Medigap's open door, no health questions.