State RegulationsNY specificDifficulty 2/5
A healthy Rochester resident tells her New York agent that she never bought a Medicare supplement policy because she believed she had missed her chance under the federal open enrollment window. The agent should advise her that:
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 C is correct
Under Reg 193 (11 NYCRR Part 58) and 11 NYCRR 360.4(h), New York's Medicare supplement open enrollment is year-round: a Medicare beneficiary may apply at any time, without regard to the one-time federal enrollment window that applies elsewhere. Believing the federal deadline has passed is the most common misconception the state rule exists to cure, and an agent who knows the New York rule should correct it on the spot.
Why the other options are wrong
- A) There is no annual enrollment gate for Medicare supplement policies in New York; the beneficiary may apply whenever she chooses.
- B) No medical examination or evidence of insurability is required; during New York's year-round open enrollment health cannot bar issuance.
- D) Employer retiree coverage is a separate option that has nothing to do with her right to buy a Medicare supplement policy in New York.
Memory hook
Missed the federal window? In New York the window never shut.