What EXACTLY are the underwriting questions

Pauline1954

Member
Joined
Mar 15, 2019
What EXACTLY are the underwriting questions to pass before a person can switch medicare plans? And are there any agencies that will do this without underwriting?

Thanks
 

GreenSky

Member
Joined
Oct 26, 2016
Location
Las Vegas
What EXACTLY are the underwriting questions to pass before a person can switch medicare plans? And are there any agencies that will do this without underwriting?

Thanks
The concern from most companies are oxygen use, defib, etc. Controlled diabetes is usually no issue nor would HBP, cholesterol, and other "minor" issues.

If you want to know EXACTLY, you need to get an application from every company and review the questions.

Rick
 

Pauline1954

Member
Joined
Mar 15, 2019
Original Poster
Thank you Rick. I am hoping next year my husband can change to a supplement plan. But, im not sure at all. Hopefully no issues this year. He had a balloon proceedure about 5 years ago.

Thank you
 

GreenSky

Member
Joined
Oct 26, 2016
Location
Las Vegas
Thank you Rick. I am hoping next year my husband can change to a supplement plan. But, im not sure at all. Hopefully no issues this year. He had a balloon proceedure about 5 years ago.

Thank you
Are you sure he can't change this year? Angioplasty 5 years ago probably won't be an issue now.

Rick
 

Slange55

New member
Joined
Apr 8, 2019
If he is at the 5 year mark he should be able to start looking now at his options with most companies. He will be able to show he is under control with everything with any meds but he should be able to start looking now. If he is on an Advantage plan he won't be able to change until 2020.
 

AZ Jim

Old, alone and tired...
Joined
Nov 28, 2014
Location
SURPRISE, ARIZONA
I always advise posters asking questions about Medicare to contact Social Security and not seek answers on a message board. The chances of a correct answer on these boards is problematic and this is a serious subject.
 

GreenSky

Member
Joined
Oct 26, 2016
Location
Las Vegas
I always advise posters asking questions about Medicare to contact Social Security and not seek answers on a message board. The chances of a correct answer on these boards is problematic and this is a serious subject.
Medicare won't be able to answer questions about qualifying for a supplement, nor will Social Security. However I don't disagree with using them as as source for some information.

Rick
 

Ken N Tx

Older than Dirt !
Joined
Nov 12, 2014
Location
Texas
When GreenSky (Rick) applied for insurance for my wife, it was denied because of her drug use!!!!!
I told Rick that she only takes 2 drugs daily..

The reporting agency sent Rick a copy of her drug history and there was 46 out of 92 entries that where not hers!!! (over 5 years) It was for another woman in a different State!! Rick contacted the dispensing Pharmacy and got the records straightened out and we were approved by the underwriters.
 


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