State RegulationsNY specificDifficulty 1/5
Under Reg 193, how does an applicant's prior creditable coverage affect the preexisting-condition exclusion of a New York Medicare supplement policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Reg 193 (11 NYCRR Part 58), creditable coverage is the mechanism that keeps applicants from paying twice for the same waiting period: time covered under prior health insurance is credited against the new Medicare supplement policy's preexisting-condition exclusion, shortening or eliminating it. The exclusion is capped at 6 months in any event, and uninterrupted prior coverage erodes whatever waiting period the new policy would otherwise impose.
Why the other options are wrong
- A) Exclusions are tolerated up to the 6-month cap rather than abolished; creditable coverage trims the waiting period, it does not outlaw the exclusion.
- C) Many forms of prior health coverage can be creditable, not merely prior Medicare supplement policies.
- D) Crediting prior coverage shortens the waiting period; it never restarts or extends the exclusion.
Memory hook
Creditable coverage: proof you already waited once.