KRS 304.14-520: Claim denial restriction.

Notwithstanding any other provision of state law except KRS 304.14 -525(3)(b)3., a

Medicare supplement policy shall not:

(1) Deny a claim for losses incurred more than six (6) months from the effective date of

coverage for a pre-existing condition; or

(2) Define a pre -existing condition more restrictively than a condition for which

medical advice was given or treatment was recommended by or received from a

physician within six (6) months before the effective date of coverage.