State RegulationsOH specificDifficulty 2/5
A Columbus resident turns 65 and enrolls in Medicare Part B with coverage effective March 1. Under Ohio's open-enrollment rule for Medicare supplement coverage, when does the individual's 6-month open-enrollment period begin?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under OAC 3901-8-08(N)(1), the Medicare supplement open-enrollment period is the 6-month period beginning the first day of the first month in which an individual is both 65 or older and enrolled in Medicare Part B. For this applicant, both conditions converge on March 1, so the window runs from March 1. During that window the issuer must offer all plans it makes available without health underwriting, which makes correctly identifying the start date critical to the applicant's access to coverage.
Why the other options are wrong
- A) The calendar year is irrelevant; the trigger is the convergence of age 65 or older and Medicare Part B enrollment, not January 1.
- C) The window does not depend on contact with an issuer; it runs automatically from the Part B enrollment month.
- D) Social Security retirement enrollment is a separate event and does not start the Medicare supplement open-enrollment period.
Memory hook
Open enrollment opens where 65 and Part B meet — the first day of that first month.