Under a Medicare Supplement Policy, preexisting conditions cannot be excluded after how many months from the effective date of the policy?

Under a Medicare Supplement Policy, preexisting conditions cannot be excluded after six months from the effective date of the policy. This stipulation is important for individuals who may have ongoing health issues at the time they apply for Medicare Supplement coverage. The six-month period allows for a reasonable time frame where insurance companies may assess and manage risks associated with preexisting conditions. After this period, individuals are typically entitled to full benefits without the burden of exclusions related to conditions that existed prior to obtaining the policy. This aligns with regulations that aim to protect policyholders and ensure access to necessary healthcare under Medicare Supplement plans.