State RegulationsNY specificDifficulty 3/5
Which statement correctly contrasts New York's Medicare supplement enrollment rule with the federal rule?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Reg 193 (11 NYCRR Part 58) and 11 NYCRR 360.4(h), New York opens Medicare supplement enrollment all year: an applicant cannot be refused or rated for health at any point. Federal law by itself gives beneficiaries only a one-time guaranteed-issue window; New York chose to be more generous than that federal floor, and that contrast is exactly what the exam expects you to know.
Why the other options are wrong
- A) New York does not simply copy the federal window; the state's enrollment period never closes.
- C) Year-round enrollment is a New York choice, not a national mandate imposed on every state.
- D) Neither New York nor federal law permits refusing a Medigap applicant during open enrollment because of health status.
Memory hook
Federal law opens a window; New York knocked out the wall.