Final answer:
A Medicare supplement policy cannot exclude benefits for pre-existing conditions if the person had six months of continuous creditable coverage prior to application.
Step-by-step explanation:
A Medicare supplement policy offers supplemental coverage to fill gaps in original Medicare. Regarding pre-existing conditions, the "guaranteed issue" right ensures that an insurance company can't refuse coverage or exclude benefits due to a pre-existing condition if an individual had six months of continuous creditable coverage before applying for the Medicare supplement policy. This means that if someone has had at least six months of prior creditable health coverage—such as employer-sponsored group health plans, Medicaid, or certain other health insurances—the Medicare supplement insurer cannot deny coverage, charge higher premiums, or impose waiting periods related to pre-existing conditions. This safeguard promotes access to essential healthcare services for individuals transitioning or seeking additional coverage beyond basic Medicare, providing peace of mind and financial protection against unforeseen health expenses.