A Medicare supplement policy issued in Georgia contains a preexisting-condition waiting period. Under Georgia law, how long after the effective date may the policy exclude losses attributable to a preexisting condition?

Why C is correct

Under O.C.G.A. § 33-43-3(b), a Medicare supplement policy may not exclude losses incurred more than six months after the effective date of coverage. Preexisting-condition waiting periods are therefore effectively capped at six months, and claims arising beyond that point must be paid.

Why the other options are wrong

• A) The statutory limit is six months, not three.
• B) A twelve-month exclusion would exceed the six-month cap Georgia imposes on Medicare supplement policies.
• D) An open-ended exclusion is prohibited — losses incurred beyond six months after the effective date must be covered.

Memory hook

Medigap can't exclude past six months — the clock stops at six.