A Medicare Supplement insurance policy may EXCLUDE coverage for preexisting conditions for a maximum period of how many months after the policy goes into effect?

• A. 12 months
• B. 6 months
• C. 3 months
• D. 9 months

Answer: (B)

Medicare Supplement policies may exclude coverage for a preexisting condition for up to six months after the policy becomes effective. If you had a medical condition before enrolling and you didn’t have continuous creditable coverage, the plan can deny benefits for that condition during that initial six-month period. The waiting period starts when the policy goes into effect, and after six months, coverage for that preexisting condition typically begins (assuming no other exclusions apply). If you had continuous creditable coverage prior to enrollment, this exclusion can be reduced or eliminated. So the maximum waiting period is six months.