State RegulationsVA specificDifficulty 3/5
A woman enrolled in Medicare Part B at age 65 but decided not to buy a Medicare supplement policy at that time. Three years later she applies for one. Which statement best describes her situation under Virginia rules?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under 14 VAC 5-170-100 and the Virginia Bureau of Insurance's Medigap guidance, the open enrollment period is a one-time 6-month window keyed to the month the person is both 65 and enrolled in Medicare Part B; it does not reopen on demand. Outside that window an insurer may use underwriting, unless the applicant has an independent guaranteed-issue right from a qualifying event such as loss of employer group coverage. She is not barred from buying — she has simply lost the no-underwriting protection unless another trigger applies.
Why the other options are wrong
- A) The window is one-time and does not reopen whenever an applicant decides to buy.
- B) Virginia does not permanently bar late applicants from purchasing; the consequence is possible underwriting, not exclusion from the market.
- C) The window is 6 months from the Part B month, not 30 days, and missing it does not forfeit the ability to buy a policy.
Memory hook
OEP is a one-time train — miss it and underwriting may board, unless a guaranteed-issue right rescues you.