All Medicare Supplement policies MUST contain which provision?

• A. Guaranteed issue for all applicants
• B. Pre-Existing conditions may be excluded from coverage for a maximum of 6 months
• C. Waiver of premium after disability
• D. Coverage for dental benefits

Answer: (B)

Medicare Supplement policies must include a six‑month preexisting condition exclusion. If a medical condition existed or medical advice or treatment was received within the six months before the policy’s effective date, benefits for that condition can be excluded for up to six months after coverage starts. This waiting period is allowed to protect against adverse selection while limiting how long a condition can be excluded. The other options—guaranteed issue for all applicants, a disability-based premium waiver, or dental coverage—are not universal requirements of Medigap policies, though they may appear in some plans or under certain enrollment circumstances.