Which of the following statements is true about Medicare Supplement Insurance underwriting criteria?

• A. Underwriting is required if the consumer is not in their Medicare Supplement Open Enrollment period or does not meet Guaranteed Issue criteria.
• B. Underwriting is never required.
• C. Underwriting always required for all applicants.
• D. Underwriting is only for Part D plans.

Answer: (A)

Medigap underwriting depends on enrollment protections. During the Medigap Open Enrollment period—the six months starting the month you’re eligible for Medicare and enrolled in Part B—insurers must issue a policy with no medical underwriting. If you’re outside that window or don’t meet Guaranteed Issue criteria, the insurer may ask health questions and review your medical history to determine eligibility and pricing. That’s why the statement that underwriting is required when you’re not in the Open Enrollment period or don’t meet Guaranteed Issue criteria is the correct one. The other choices are inaccurate because underwriting isn’t always required, it isn’t never required, and Part D plans aren’t the arena where Medigap underwriting rules apply.