For how long can an insurer exclude coverage for a preexisting condition on a Medicare Supplement Policy?

An insurer can exclude coverage for a preexisting condition on a Medicare Supplement Policy for a maximum duration of six months. This time frame begins with the effective date of coverage. This regulation is designed to protect both insurers and insurers while ensuring that consumers have access to coverage for conditions that existed before their policy was in effect. After this six-month period, the insurer is obligated to cover the preexisting condition, provided the policyholder has had continuous coverage with no breaks of 63 days or more. This rule helps to prevent discrimination in coverage based on prior health conditions and encourages individuals to obtain necessary insurance without facing long-term exclusions.