For how many months may a Medicare Supplement policy exclude preexisting conditions?

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Multiple Choice

For how many months may a Medicare Supplement policy exclude preexisting conditions?

Explanation:
Medicare Supplement policies can apply a preexisting condition exclusion, but the time allowed is limited. The maximum waiting period for preexisting conditions is six months from the policy’s effective date. This means conditions that existed in the six months before enrollment can be excluded for up to six months, counted from the start of the Medigap policy. If you had prior creditable coverage, that time can reduce the waiting period, but the total exclusion cannot exceed six months. After that period, coverage for those preexisting conditions must begin. So six months is the longest allowed.

Medicare Supplement policies can apply a preexisting condition exclusion, but the time allowed is limited. The maximum waiting period for preexisting conditions is six months from the policy’s effective date. This means conditions that existed in the six months before enrollment can be excluded for up to six months, counted from the start of the Medigap policy. If you had prior creditable coverage, that time can reduce the waiting period, but the total exclusion cannot exceed six months. After that period, coverage for those preexisting conditions must begin. So six months is the longest allowed.

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