Medical underwriting in the Medicare Supplement industry generally consists of “knock out” questions regarding medical history. While underwriting may protect against excessive anti-selection, carriers may be able to optimize the balance between minimal screening of conditions and very rigorous screening that eliminates all but condition-free applicants.
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Medicare Supplement Underwriting Issue Brief #1
This issue brief explores the resources available to help carriers quantify the expected effect of possible Medicare Supplement medical underwriting application changes and considerations.