What is the maximum number of months for preexisting condition exclusion on a Medicare Supplement policy?

What is the maximum number of months for preexisting condition exclusion on a Medicare Supplement policy?

• A. 12
• B. 3
• C. 9
• D. 6

Answer: (D)

Medicare Supplement policies may delay coverage for conditions that existed before the policy begins. The longest allowed delay is six months from the policy’s effective date. This means any preexisting condition can be excluded for up to six months, after which coverage for that condition should kick in under the plan’s terms. The six-month limit is the standard maximum; longer durations (twelve, nine) or shorter ones aren’t used for this exclusion.

Medicare Supplement policies may delay coverage for conditions that existed before the policy begins. The longest allowed delay is six months from the policy’s effective date. This means any preexisting condition can be excluded for up to six months, after which coverage for that condition should kick in under the plan’s terms. The six-month limit is the standard maximum; longer durations (twelve, nine) or shorter ones aren’t used for this exclusion.