Ohio Insurance Laws and Regulations Practice Exam

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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.

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