State RegulationsNY specificDifficulty 1/5
A New York Medicare supplement policy contains a preexisting-condition exclusion. Under Reg 193, for how long after the effective date may the exclusion apply?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Reg 193 (11 NYCRR Part 58), a New York Medicare supplement policy may exclude coverage of preexisting conditions for no more than 6 months after the effective date. The exclusion must also be shortened by the creditable coverage the applicant brings from prior health insurance, so 6 months is a ceiling, not a promise that any waiting period will actually run that long.
Why the other options are wrong
- A) Twelve months exceeds the ceiling the regulation sets; the exclusion cannot stretch that far in New York.
- B) A two-year exclusion belongs to life insurance concepts such as incontestability, not to Medigap preexisting-condition limits.
- C) The exclusion is measured from the policy's effective date, not from renewal to renewal.
Memory hook
Medigap preexisting ceiling: half a year, and prior coverage trims it.