State RegulationsNY specificDifficulty 3/5
Under Reg 193, a New York Medicare supplement applicant's prior creditable coverage reduces the preexisting-condition exclusion unless the coverage was interrupted by a break longer than:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Reg 193 (11 NYCRR Part 58), creditable coverage from earlier health insurance counts against the Medigap preexisting-condition exclusion so long as it was uninterrupted, and a break of up to 63 days is tolerated before earlier coverage stops counting. The measuring stick is the gap in coverage, not the total time insured, and the 6-month exclusion ceiling still caps whatever waiting period remains.
Why the other options are wrong
- A) Thirty days is shorter than the tolerance the regulation allows; a break of that size does not wipe out earlier creditable coverage.
- B) Ninety days overstates the grace the rule gives; the cutoff arrives earlier than that.
- D) Six months is the maximum preexisting-condition exclusion itself, not the permissible break in prior coverage.
Memory hook
63 days - just over two months - keeps the creditable clock running.