A New York beneficiary replaces an existing Medicare supplement policy with a policy from a different issuer, and the new issuer applies a preexisting condition limitation. Under New York's Medicare supplement rules, the issuer must credit the applicant's prior creditable coverage if that coverage was continuous to a date not more than:

Why B is correct

Under the Medicare supplement replacement and preexisting condition rules in New York, when a replacing issuer applies a preexisting condition limitation it must credit the applicant's time under prior creditable coverage, including prior Medicare supplement and Medicare Advantage coverage, if that coverage was continuous to a date not more than 63 days before the enrollment date of the new policy. The credit is subtracted from the new exclusion period, so a beneficiary with continuous prior coverage does not serve a new waiting period.

Why the other options are wrong

• A) Thirty days is too short; the rule allows a gap of up to 63 days between the end of prior creditable coverage and the new enrollment date.
• C) Six months is the maximum length of a preexisting condition exclusion, not the creditable-coverage continuity window.
• D) The credit turns on continuity of coverage ending within 63 days of the enrollment date, not on the date the application was signed.

Memory hook

63-day bridge: prior coverage counts if continuous to within 63 days of enrollment.