A New York Medicare supplement applicant's disclosure statement describes the applicant's open enrollment rights. What open enrollment period does New York provide for Medicare supplement policies?

Why D is correct

Under the New York Insurance Law and Department of Financial Services rules, New York provides year-round open enrollment for Medicare supplement policies: an eligible person may purchase a policy at any time during the year, without being confined to a limited enrollment window. New York is more generous than federal law, which guarantees open enrollment only for a six-month period; in New York the federal window is not the rule, and the disclosure statement should reflect the state's year-round right.

Why the other options are wrong

• A) The six-month window is the federal rule, not New York's; New York's year-round open enrollment is more generous and controls for New York applicants.
• B) New York does not confine Medicare supplement enrollment to a year-end period; enrollment is available throughout the year.
• C) New York has no birthday-triggered enrollment window; its rule is simply year-round availability for eligible persons.

Memory hook

In New York, every day is Medigap open enrollment day.