Before the effective date of her new Florida Medicare supplement policy, a consumer had been treated for a heart condition — but the treatment ended more than 6 months before that effective date. What may the insurer do regarding that condition?

Why D is correct

Under Fla. Stat. 627.6741(2)(b), a Med Supp preexisting exclusion applies only to conditions diagnosed or treated within the 6 months before the policy's effective date. Because this heart condition was treated more than 6 months before the effective date, it is outside the lookback window and must be covered like any other condition — no exclusion, no waiting period, no declination. The lookback is a defined window, not a lifetime review of the applicant's health history.

Why the other options are wrong

• A) Conditions outside the 6-month lookback cannot be permanently excluded from a Medicare supplement policy.
• B) The 6-month exclusion applies only to conditions diagnosed or treated within the lookback window, not to older ones.
• C) Prior treatment outside the lookback window is not a ground for denying the application.

Memory hook

Older than the lookback? Covered from day one.