State RegulationsGA specificDifficulty 2/5
A Medicare supplement policy issued in Georgia contains a preexisting-condition waiting period. Under Georgia law, how long after the effective date may the policy exclude losses attributable to a preexisting condition?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-43-3(b), a Medicare supplement policy may not exclude losses incurred more than six months after the effective date of coverage. Preexisting-condition waiting periods are therefore effectively capped at six months, and claims arising beyond that point must be paid.
Why the other options are wrong
- A) The statutory limit is six months, not three.
- B) A twelve-month exclusion would exceed the six-month cap Georgia imposes on Medicare supplement policies.
- D) An open-ended exclusion is prohibited — losses incurred beyond six months after the effective date must be covered.
Memory hook
Medigap can't exclude past six months — the clock stops at six.