Not many people know that insurance companies are more lenient in their underwriting for Medicare supplements, which is a blessing if a person has a medical condition they don’t want to cover.
Here is how it works, if you apply for Medicare, as opposed to applying at a large health insurance company who would rather not underwrite certain “conditions.” An applicant still goes through a medical underwriting routine with Medicare, but it’s not as rigorous and restrictive as it would be for an insurance company.
The underwriting for Medicare is to figure out what will work best for people with particular health conditions. Once that is out of the way, it tells the person applying what choices they have for various packages.
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