State RegulationsNY specificDifficulty 1/5
When may a New York Medicare beneficiary first purchase a Medicare supplement (Medigap) policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Reg 193 (11 NYCRR Part 58) and 11 NYCRR 360.4(h), New York's Medicare supplement open enrollment period is year-round: a Medicare beneficiary may buy a Medigap policy at any time, and the insurer may not refuse issuance or rate up the applicant because of health. This is far more generous than federal law, which guarantees issue only within a one-time window; New York deliberately removed that deadline for its residents.
Why the other options are wrong
- B) The six-month federal window is the rule in most states, but New York is more generous - enrollment is not trapped inside that deadline.
- C) There is no annual enrollment gate for Medigap in New York; the beneficiary may apply whenever she chooses.
- D) No birthday-based window exists in New York; open enrollment is available every day of the year.
Memory hook
Medigap in New York: every day is open enrollment day.