Which statement describes a likely requirement if S does not enroll in her employer's group dental plan when first eligible and later decides to enroll?

a. S may be able to receive only half the benefit others in the plan receive for the first year she is enrolled.

b. S will not be able to enroll in the dental plan, to avoid adverse selection.

c. S will be subject to a 10% increased premium.

d. S will need to wait until the general enrollment period, January 1-March 31 of the following year, to be added to the group plan.

Answer: A