State RegulationsFL specificDifficulty 1/5
Under Florida law, what is the maximum exclusion period for a preexisting condition in a Medicare supplement policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.6741(2)(b), a Medicare supplement policy may exclude preexisting conditions only if they were diagnosed or treated within the 6 months before the effective date, and the exclusion can last no more than 6 months after the effective date. This keeps Med Supp underwriting narrow and predictable for seniors. Lifetime exclusions and multi-year contestability periods belong to other lines of insurance, not to Medicare supplement minimum standards.
Why the other options are wrong
- A) Two years is the life and health incontestability period, not the Med Supp preexisting exclusion maximum.
- B) Thirty days is a free-look figure, not an exclusion period for preexisting conditions.
- D) A preexisting condition exclusion can never last for the life of a Medicare supplement policy.
Memory hook
Six-month lookback, six-month cap — Med Supp keeps it even.