Which of the following is true regarding the treatment of pre-existing conditions in Medigap and LTC polices?

Which of the following is true regarding the treatment of pre-existing conditions in Medigap and LTC polices?


a. Pre-existing conditions which were present six months prior to the policy's effective date may be excluded for a maximum of three months after the effective date of coverage.

b. Pre-existing conditions which were present six months prior to the policy's effective date may be excluded for a maximum of six months after the effective date of coverage.

c. Pre-existing conditions which were present 12 months prior to the policy's effective date may be excluded for a maximum of six months after the effective date of coverage.

d. Pre-existing conditions which were present six months prior to the policy's effective date may be excluded for a maximum of 12 months after the effective date of coverage.



Answer: c. Pre-existing conditions which were present 12 months prior to the policy's effective date may be excluded for a maximum of six months after the effective date of coverage.

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