State RegulationsVA specificDifficulty 2/5
A Medicare supplement policy becomes effective in Virginia. Under Va. Code § 38.2-3605, for how long after the effective date may the insurer deny claims on the basis of a preexisting condition?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Va. Code § 38.2-3605 caps the reach of a Medicare supplement preexisting-condition limitation: the insurer may not deny claims for losses incurred more than 6 months after the effective date. Virginia pairs this with the requirement that the look-back to a preexisting condition be limited in scope, so the practical effect is a bounded window — after 6 months of coverage, a preexisting condition can no longer be the basis for denying a claim.
Why the other options are wrong
- A) The 12-month figure overstates the window; Virginia limits preexisting-condition claim denials to losses in the first 6 months.
- B) Disclosure on the application does not create a perpetual exclusion; the statute bounds the period outright.
- C) 31 days is a grace-period figure, not the preexisting-condition window for Medicare supplement claims.
Memory hook
Six months, then the preexisting leash comes off — no denials after month 6.