The Medicare Supplement open enrollment period:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The Medicare Supplement (Medigap) open enrollment period is a six-month window that begins when the person is both age 65 or older and enrolled in Medicare Part B. During this period, insurers cannot deny coverage, condition coverage on health, or charge higher premiums due to health status. (A limited pre-existing condition waiting period of up to six months may still apply under CIC 10192.11(c), offset by prior creditable coverage.) This guaranteed-issue window is crucial because after it ends, insurers may medically underwrite and deny coverage for health conditions.
Why the other options are wrong
- B) The open enrollment window is tied to being 65 or older and enrolled in Part B, not merely to Part A eligibility at any age.
- C) Enrolling in a Medicare Advantage plan does not start the Medigap open enrollment period.
- D) Age 62 and Social Security benefits are unrelated to the Medigap open enrollment window, which starts at age 65 with Part B.
Memory hook
Medigap's no-questions-asked window: six months, starting at 65 with Part B. Miss it and health questions return.