All Medicare Supplement policies MUST contain which provision?

• A. Pre-Existing conditions may be excluded from coverage for a maximum of 6 months
• B. No benefits are payable for pre-existing conditions
• C. Guaranteed issue regardless of health
• D. Premiums cannot increase after issue

Answer: (A)

Medicare Supplement policies must include a six-month pre-existing condition exclusion. This means that for any medical condition that existed during the six months before the policy’s effective date, coverage for that condition can be postponed for up to six months after the policy starts. If you had prior creditable coverage, that waiting period can be reduced accordingly. After that initial six-month period, the condition typically becomes covered like other medical conditions. The other statements don’t fit: pre-existing conditions aren’t excluded permanently, guaranteed issue isn’t unconditional in all scenarios, and premiums can increase over time, so they aren’t fixed after issue.