State RegulationsVA specificDifficulty 2/5
During the Medicare supplement open enrollment period, how may a Virginia Medicare supplement insurer treat an applicant's health history?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The open enrollment window protected by 14 VAC 5-170-100 and the Virginia Bureau of Insurance's Medigap rules is a guaranteed-issue right: during the 6-month period the insurer cannot apply medical underwriting, cannot turn the applicant away for health reasons, and cannot attach a preexisting-condition waiting period. This is precisely what makes open enrollment the most valuable buying opportunity a Medicare beneficiary has, and any health-based obstacle during that window would defeat the rule's purpose.
Why the other options are wrong
- B) Denial for a preexisting condition is exactly what open enrollment prohibits; no health screening may block the sale.
- C) Requiring a medical examination is a form of underwriting that open enrollment forbids.
- D) A preexisting-condition waiting period may not be imposed during open enrollment, even if coverage is otherwise granted.
Memory hook
Open enrollment = no underwriting: no denials, no exams, no preexisting waits.