Nassau Life Insurance Company of Kansas Medicare Supplement Insurance

Policy Disclosures, Exclusions & Limitations By State

General Disclosure

Policy benefits will not duplicate benefits paid by Medicare. The combined benefits of Medicare and a Medicare Supplement Insurance Policy will not exceed 100% of Medicare eligible expenses. Coverage will remain in force as long as premiums are paid on a timely basis according to the policy. Nassau Life Insurance Company of Kansas reserves the right to change premiums on a class basis.

Nassau Medicare Supplement Insurance Policies are insured by Nassau Life Insurance Company of Kansas. The information provided on this page is a summary only. It is not a contract. View the policy for complete terms and conditions.

Company Location and Contact Information

Home Office: Overland Park, Kansas
Administrative Office: PO Box 19018, Greenville, SC 29602-9018
Phone: (800) 999-2224

Medicare Supplement Policy Form Number:

Plan A: NKS MS19-PLAN A GN
Plan F: NKS MS19-PLAN F GN
Plan G: NKS MS19-PLAN G GN
Plan N: NKS MS19-PLAN N GN

Alabama, Iowa, Kentucky, Mississippi, Montana, New Mexico, North Dakota, Ohio, South Carolina, South Dakota

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Colorado

Policy form numbers:
Plan A: NKS MS19-PLAN A CO
Plan F: NKS MS19-PLAN F CO
Plan G: NKS MS19-PLAN G CO
Plan N: NKS MS19-PLAN N CO

Important Notice: In Colorado, all Medicare Supplement plans are available to persons eligible for Medicare because of disability.

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Delaware

Policy form numbers:
Plan A: NKS MS19-PLAN A DE
Plan F: NKS MS19-PLAN F DE
Plan G: NKS MS19-PLAN G DE
Plan N: NKS MS19-PLAN N DE

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Effective January 1, 2026, current Medicare Supplement insurance policyholders have an annual enrollment opportunity that allows them to change their Medicare Supplement insurance coverage to any Medicare Supplement Insurance from any carrier each year. The current insurance company is required to inform policyholders within 60 days of their upcoming birthday of the right to change their insurance coverage. The Annual Open Enrollment Period begins 30 days prior to the policyholder’s birthday and remains open for 30 days after the policyholder’s birthday. The policyholder may purchase any Medicare Supplement policy made available by any insurance carrier in the State of Delaware that includes the same or lesser benefits. During the open enrollment period an insurer may not deny or condition the issuance or effectiveness, or discriminate in the price of coverage, based on the policyholder’s health status, claims experience, receipt of health care or medical condition.

Illinois

Policy form numbers:
Plan A: NKS MS19-PLAN A IL
Plan F: NKS MS19-PLAN F IL
Plan G: NKS MS19-PLAN G IL
Plan N: NKS MS19-PLAN N IL

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: If an individual is at least 65 years of age, but no more than 75 years of age, and has an existing Medicare supplement policy, the individual is entitled to a New Medicare Supplement Annual Open Enrollment Period. Current policyholders will receive a notice 30–60 days before the New Medicare Supplement Annual Open Enrollment Period which begins on the individuals birthdate each year and lasts for 45 days. The individual may purchase any Medicare Supplement policy with the same company/issuer that offers benefits equal to or lesser than those provided by the previous coverage. During this open enrollment period, if an individual currently has a Medicare supplement policy then the policy cannot deny or place conditions on the individual holding the policy or effectiveness of Medicare supplemental coverage, nor discriminate in the pricing of coverage, because of health status, claims experience, receipt of health care, or a medical condition of the individual.

Indiana

Policy form numbers:
Plan A: NKS MS19-PLAN A IN
Plan F: NKS MS19-PLAN F IN
Plan G: NKS MS19-PLAN G IN
Plan N: NKS MS19-PLAN N IN

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Effective January 1, 2026, current Medicare Supplement enrollees at least 65 years of age have 60 days from the date of their birthday to select a different Medicare Supplement insurance policy with equal benefits with the same or different insurance company without medical underwriting.

Kansas

Policy form numbers:
Plan A: NKS MS19-PLAN A KS
Plan F: NKS MS19-PLAN F KS
Plan G: NKS MS19-PLAN G KS
Plan N: NKS MS10-PLAN N KS

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare; or
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected).

Kentucky

Policy form numbers:
Plan A: NKS MS19-PLAN A KY
Plan F: NKS MS19-PLAN F KY
Plan G: NKS MS19-PLAN G KY
Plan N: NKS MS19-PLAN N KY

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Current Medicare Supplement insurance policyholders may apply, on a guaranteed issue basis, for the same Plan they are currently enrolled in, but with a different insurer. The application must be submitted within sixty (60) days after the policyholder’s birthday. This is a Plan for Plan replacement only (e.g., G to G) and is not contingent on age.

Louisiana

Nassau Life Insurance Company of Kansas is not connected with or endorsed by the United States Government or the federal Medicare program.

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Current Medicare Supplement enrollees age 65 and above have 63 days from the date of their birthday to select a different Medicare Supplement insurance policy with equal or lesser benefits without medical underwriting. This only applies to insurance policies with the current insurer (or affiliates of the current insurer).

Maryland

Policy form numbers:
Plan A: NKS MS19-PLAN A MD
Plan F: NKS MS19-PLAN F MD
Plan G: NKS MS19-PLAN G MD
Plan N: NKS MS19-PLAN N MD

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Medicare Supplement policyholders are granted a once-yearly Open Enrollment Period that includes the policyholder’s birthday and the 30-day period following the policyholder’s birthday. Current policyholders will receive a notice 30–60 days before the enrollment period and during this period a policyholder may change (with the same or a different insurance company) to a Medicare Supplement policy of equal or lesser benefits without underwriting.

Michigan

Policy form numbers:
Plan A: NKS MS19-PLAN A MI
Plan F: NKS MS19-PLAN F MI
Plan G: NKS MS19-PLAN G MI
Plan N: NKS MS19-PLAN N MI

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Nebraska

This is a solicitation of insurance and an agent may contact you. Nassau Life Insurance Company of Kansas is not connected with or endorsed by the United States Government or the federal Medicare program.

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage.Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Nevada

Policy form numbers:
Plan A: NKS MS19-PLAN A NV
Plan F: NKS MS19-PLAN F NV
Plan G: NKS MS19-PLAN G NV
Plan N: NKS MS19-PLAN N NV

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Current Medicare Supplement enrollees have at least 60 days, starting on the first day of their birthday month, to switch to another Medicare Supplement policy that has the same or lesser benefits. Current policyholders will receive a notice 30–60 days before the enrollment period and can’t be rated up or denied coverage based on health status or claims experience.

North Carolina

Policy form numbers:
Plan A: NKS MS19-PLAN A NC
Plan F: NKS MS19-PLAN F NC
Plan G: NKS MS19-PLAN G NC
Plan N: NKS MS10-PLAN N NC

After two years from the issue date, omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions:the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Oklahoma

Policy form numbers:
Plan A: NKS MS19-PLAN A OK
Plan F: NKS MS19-PLAN F OK
Plan G: NKS MS19-PLAN G OK
Plan N: NKS MS19-PLAN N OK

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: A Medicare Supplement policyholder who is currently enrolled in a Medicare supplement policy with no gap in coverage greater than ninety (90) days, has an annual sixty-day (60-day) open enrollment period beginning on the policyholder’s birthday. During this period, the policyholder has the opportunity to switch to a different Medicare supplement policy of equal or lesser benefits with the same or different insurance company.

Pennsylvania

Policy form numbers:
Plan A: NKS MS19-PLAN A PA
Plan B: NKS MS19-PLAN B PA
Plan F: NKS MS19-PLAN F PA
Plan G: NKS MS19-PLAN G PA
Plan N: NKS MS19-PLAN N PA

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Tennessee

Policy form numbers:
Plan A: NKS MS19-PLAN A TN
Plan F: NKS MS19-PLAN F TN
Plan G: NKS MS19-PLAN G TN
Plan N: NKS MS19-PLAN N TN

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Confinement that begins or expenses incurred while your policy is not in force.

Limitations: The policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Texas

Policy form numbers:
Plan A: NKS MS19-PLAN A TX
Plan F: NKS MS19-PLAN F TX
Plan G: NKS MS19-PLAN G TX
Plan N: NKS MS19-PLAN N TX

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions

What We Will Not Pay For

This policy does not pay for expenses of the kind not covered by Medicare.

Pre-existing Condition Limitations

Pre-Existing Conditions Are Not Covered For 6 Months

Pre-existing Conditions are covered after this policy has been in force for 6 months. "Pre-Existing Condition" means a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

If, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months, we will not exclude benefits based on a pre-existing condition. If, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for less than 6 months, we will reduce the period of the preexisting condition limitation by the time covered under such prior coverage.

We will waive any pre-existing condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status.

Utah

Policy form numbers:
Plan A: NKS MS19-PLAN A UT
Plan F: NKS MS19-PLAN F UT
Plan G: NKS MS19-PLAN G UT
Plan N: NKS MS19-PLAN N UT

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 6 months following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 6 months (for prior coverage less than 6 months, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage.

Birthday Open Enrollment: Current Medicare Supplement enrollees have 60 days from the date of their birthday to select a different Medicare Supplement insurance policy with equal or lesser benefits without medical underwriting. This only applies to insurance policies with the current insurer.

Wyoming

Policy form numbers:
Plan A: NKS MS19-PLAN A WY
Plan B: NKS MS19-PLAN F WY
Plan C: NKS MS19-PLAN G WY
Plan D: NKS MS10-PLAN N WY

Omissions or material misstatements in the application for insurance could cause an otherwise valid claim to be denied and your policy rescinded.

Exclusions and Limitations: This policy will not pay benefits for the following:

1. Any expenses not included as a covered benefit in the policy;
2. Expenses of the kind not covered by Medicare, including but not limited to expenses not recognized as reasonable or medically necessary by Medicare;
3. Any deductible, coinsurance, or copayment not covered by Medicare, unless included as a covered benefit in the policy (view the policy, as benefits vary by the type of plan selected); or
4. Pre-Existing Conditions: the policy does NOT cover Pre-existing Conditions for the first 90 days following the effective date of coverage. Benefits will not be excluded if, as of the date of application, you had a Continuous Period of Creditable Coverage or had prior coverage under a Medicare Supplement policy for at least 90 days (for prior coverage less than 90 days, we will reduce the period of the Pre-existing Condition limitation by the time covered under such prior coverage). We will waive any Pre-existing Condition limitation if you applied for and were issued this policy under a qualified guaranteed issue status. A Pre-existing Condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 90 days before the effective date of coverage.

Birthday Open Enrollment: Effective January 1, 2026, current Medicare Supplement enrollees have 60 days from the date of their birthday to select a different Medicare Supplement insurance policy with equal or lesser benefits with the same or different insurance company without medical underwriting.