{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3605.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3605.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3605.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3605.html"}],"law_id":64580,"edition_id":1,"section_id":64580,"structure_id":16185,"section_number":"38.2-3605","catch_line":"Coverage of preexisting conditions; Medicare supplement policies","history":"1980, c. 204, \u00a7 38.1-362.15; 1981, c. 575; 1986, c. 562; 1995, c. 522.","full_text":"Notwithstanding subdivision 2 (b) of \u00a7 38.2-3503 or the provisions of \u00a7 38.2-3514.1, an insurer that issues a Medicare supplement policy shall not deny a claim for losses incurred more than six months from the effective date of coverage on the grounds that a condition existed prior to the effective date of coverage regardless of the application form used. Except as so provided, the policy or contract shall not include wording that would permit a defense based upon preexisting conditions.","order_by":null,"text":{"0":{"id":235063,"text":"Notwithstanding subdivision 2 (b) of \u00a7 38.2-3503 or the provisions of \u00a7 38.2-3514.1, an insurer that issues a Medicare supplement policy shall not deny a claim for losses incurred more than six months from the effective date of coverage on the grounds that a condition existed prior to the effective date of coverage regardless of the application form used. Except as so provided, the policy or contract shall not include wording that would permit a defense based upon preexisting conditions.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":16185,"edition_id":1,"name":"Medicare Supplement Policies","identifier":"36","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 04:08:31","date_modified":"2026-06-26 04:08:31","permalink":{"id":216003,"object_type":"structure","relational_id":16185,"identifier":"36","token":"38.2\/36","url":"\/38.2\/36\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":84516,"structure_id":16185,"section_number":"38.2-3600","catch_line":"Medicare supplement policy; definition","url":"\/38.2-3600\/","token":"38.2\/36\/38.2-3600","metadata":false},{"id":87447,"structure_id":16185,"section_number":"38.2-3601","catch_line":"Medicare supplement policies; minimum return for group policies generally","url":"\/38.2-3601\/","token":"38.2\/36\/38.2-3601","metadata":false},{"id":78844,"structure_id":16185,"section_number":"38.2-3602","catch_line":"Repealed","url":"\/38.2-3602\/","token":"38.2\/36\/38.2-3602","metadata":false},{"id":83912,"structure_id":16185,"section_number":"38.2-3603","catch_line":"Same; minimum return for individual policies","url":"\/38.2-3603\/","token":"38.2\/36\/38.2-3603","metadata":false},{"id":72778,"structure_id":16185,"section_number":"38.2-3604","catch_line":"Free look notice required","url":"\/38.2-3604\/","token":"38.2\/36\/38.2-3604","metadata":false},{"id":64580,"structure_id":16185,"section_number":"38.2-3605","catch_line":"Coverage of preexisting conditions; Medicare supplement policies","url":"\/38.2-3605\/","token":"38.2\/36\/38.2-3605","metadata":false},{"id":84017,"structure_id":16185,"section_number":"38.2-3606","catch_line":"Outline of coverage","url":"\/38.2-3606\/","token":"38.2\/36\/38.2-3606","metadata":false},{"id":72816,"structure_id":16185,"section_number":"38.2-3607","catch_line":"Group or individual Medicare supplement policies; minimum standards","url":"\/38.2-3607\/","token":"38.2\/36\/38.2-3607","metadata":false},{"id":76715,"structure_id":16185,"section_number":"38.2-3608","catch_line":"Regulations establishing minimum standards","url":"\/38.2-3608\/","token":"38.2\/36\/38.2-3608","metadata":false},{"id":79289,"structure_id":16185,"section_number":"38.2-3609","catch_line":"Insurer to file copy of advertisement with Commission","url":"\/38.2-3609\/","token":"38.2\/36\/38.2-3609","metadata":false},{"id":80992,"structure_id":16185,"section_number":"38.2-3610","catch_line":"Medicare supplement policies for persons eligible by reason of disability","url":"\/38.2-3610\/","token":"38.2\/36\/38.2-3610","metadata":false},{"id":70309,"structure_id":16185,"section_number":"38.2-3611","catch_line":"Annual open enrollment period","url":"\/38.2-3611\/","token":"38.2\/36\/38.2-3611","metadata":false}],"previous_section":{"id":72778,"structure_id":16185,"section_number":"38.2-3604","catch_line":"Free look notice required","url":"\/38.2-3604\/","token":"38.2\/36\/38.2-3604","metadata":false},"next_section":{"id":84017,"structure_id":16185,"section_number":"38.2-3606","catch_line":"Outline of coverage","url":"\/38.2-3606\/","token":"38.2\/36\/38.2-3606","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3605\/","history_text":"

This law was first created in 1980. The record of its establishment is cataloged in chapter 204 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1980 \u201cActs\u201d aren\u2019t available online. It has been modified 3 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1981, chapter 575; in 1986, chapter 562; in 1995, chapter 522<\/a>.<\/p>","references":[{"id":72434,"section_number":"38.2-3407.11:3","catch_line":"Breast cancer underwriting and preexisting condition restrictions","order_by":null,"url":"\/38.2-3407.11_3\/"},{"id":72816,"section_number":"38.2-3607","catch_line":"Group or individual Medicare supplement policies; minimum standards","order_by":null,"url":"\/38.2-3607\/"}],"refers_to":[{"id":67765,"section_number":"38.2-3503","catch_line":"Required accident and sickness policy provisions","order_by":null,"url":"\/38.2-3503\/"},{"id":77154,"section_number":"38.2-3514.1","catch_line":"Preexisting conditions provisions","order_by":null,"url":"\/38.2-3514.1\/"}],"permalink":{"id":216025,"object_type":"law","relational_id":64580,"identifier":"38.2-3605","token":"38.2\/36\/38.2-3605","url":"\/38.2-3605\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3605\/","token":"38.2\/36\/38.2-3605","dublin_core":{"Title":"Coverage of preexisting conditions; Medicare supplement policies","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3605","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Notwithstanding subdivision 2 (b) of \u00a7 38.2-3503<\/a> or the provisions of \u00a7 38.2-3514.1<\/a>, an insurer<\/span> that issues<\/span> a Medicare<\/span> supplement policy shall not deny a claim for losses incurred more than six months from the effective date of coverage on the grounds that a condition existed prior to the effective date of coverage regardless of the application form used. Except as so provided, the policy or contract<\/span> shall not include wording that would permit a defense based upon preexisting conditions.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nCOVERAGE OF PREEXISTING CONDITIONS; MEDICARE SUPPLEMENT POLICIES (\u00a7 38.2-3605)\n\nNotwithstanding subdivision 2 (b) of \u00a7 38.2-3503 or the provisions of \u00a7\n38.2-3514.1, an insurer that issues a Medicare supplement policy shall not deny\na claim for losses incurred more than six months from the effective date of\ncoverage on the grounds that a condition existed prior to the effective date of\ncoverage regardless of the application form used. Except as so provided, the\npolicy or contract shall not include wording that would permit a defense based\nupon preexisting conditions.\n\nHISTORY: 1980, c. 204, \u00a7 38.1-362.15; 1981, c. 575; 1986, c. 562; 1995, c. 522.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}