State RegulationsMI specificDifficulty 2/5
A resident of Ann Arbor attains age 65 and enrolls in Medicare Part B effective March 1. When does her open enrollment period for a Medicare supplement policy begin, and what does it guarantee?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under DIFS guidance implementing Michigan's Medicare supplement law (M.C.L. 500.3803 to 500.3835), the open enrollment period is 6 months beginning the first day of the month in which the person both attains age 65 and enrolls in Medicare Part B. During that window an insurer may not use medical underwriting and may not impose a preexisting-condition waiting period.
Why the other options are wrong
- B) The trigger is the first day of the month of both age 65 and Part B enrollment, and no examination may be required during the window.
- C) The period runs from the Part B enrollment month, not 6 months later, and bars preexisting-condition waits.
- D) The start date is not January 1; it keys to the month the person both turns 65 and enrolls in Part B.
Memory hook
OEP = 6 months from the first of the month you're 65 AND Part B — no underwriting.