State RegulationsFL specificDifficulty 2/5
A Florida senior hesitates to switch Medicare supplement policies because she fears her diabetes waiting period will start over. What does the law provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 627.6741, when a person replaces existing Medicare supplement or qualifying coverage with a new Med Supp policy, the new insurer must waive preexisting condition, waiting, and probationary periods. The consumer keeps continuity of protection — her diabetes cannot be re-excluded just because she switched insurers. This waiver rule exists precisely so that switching to a better policy does not cost the consumer her accumulated coverage rights.
Why the other options are wrong
- B) Waiting periods do not restart on a qualifying replacement; the statute requires them to be waived.
- C) There is no requirement to go uncovered for 6 months before replacing a Medicare supplement policy.
- D) The old insurer's pre-approval is not required; the replacement is between the consumer and the new insurer.
Memory hook
Switch Med Supp plans — the waiting clock is wiped clean.