Ohio Insurance Laws and Regulations Practice Exam

For how many months can an insurer exclude coverage for a preexisting condition on a Medicare supplement policy?

1. 3 months

2. 6 months

3. 12 months

4. 24 months

The correct answer is: 6 months

An insurer can only exclude coverage for a preexisting condition on a Medicare supplement policy for a maximum of 6 months. Option A (3 months) is too short of a time period and would not meet the requirement set by the Centers for Medicare and Medicaid Services. Option C (12 months) and Option D (24 months) are both too long of a time period and would not be allowed under federal regulations.