State RegulationsIL specificDifficulty 2/5
A disabled Illinois resident has been enrolled in Medicare since age 60 and bought a Medicare supplement policy at that time. What happens when she turns 65?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
When an under-65 Medicare beneficiary who used her disabled-beneficiary open enrollment rights reaches age 65, Illinois law gives her a fresh 6-month initial open enrollment period beginning with the month she is both 65 and enrolled in Medicare Part B. Under the 215 ILCS 5/363a framework and Illinois SHIP guidance administered with the Illinois Department of Insurance, the earlier use of open enrollment does not exhaust the age-65 entitlement.
Why the other options are wrong
- B) She is not locked into her current policy; turning 65 opens a new 6-month open enrollment period under Illinois rules.
- C) Using the under-65 open enrollment does not exhaust her rights; a new open enrollment period opens at 65.
- D) The 45-day birthday window is the annual switching right between ages 65 and 75, not the replacement for the new 6-month open enrollment period at 65.
Memory hook
Used it disabled, get it again: 65 restarts the six-month clock.