What is the maximum waiting period for a pre-existing condition under a Medicare Supplement policy?
Understand the Problem
The question is asking about the maximum waiting period allowed for pre-existing conditions under a Medicare Supplement policy. We need to determine which of the provided timeframes is the correct limit.
Answer
The maximum waiting period is six months, but may be shorter with prior creditable coverage.
The maximum waiting period for a pre-existing condition under a Medicare Supplement (Medigap) policy is generally six months. This waiting period may be reduced if you had prior creditable coverage.
Answer for screen readers
The maximum waiting period for a pre-existing condition under a Medicare Supplement (Medigap) policy is generally six months. This waiting period may be reduced if you had prior creditable coverage.
More Information
The waiting period can be reduced if the individual had creditable coverage before enrolling in the Medigap policy. This means having continuous health coverage for a certain period, typically at least six months, before enrolling in the Medigap plan.
Tips
It's easy to confuse Medicare Advantage and Medicare Supplement plans. Medicare Advantage plans do not have pre-existing condition waiting periods.
Sources
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