Under the California Insurance Code, a Medicare Supplement insurer MUST offer a standardized open enrollment period to individuals who are at least age 65 and first enrolled in Medicare Part B. During this 6-month window, the insurer:

• May charge higher premiums based on the applicant's health history
• Cannot deny coverage, charge extra, or impose waiting periods based on health status
• May deny coverage based on pre-existing conditions
• Is required to provide coverage only if the applicant has no pre-existing conditions