Switching Medicare Supplements - Medical Underwriting: Are you Healthy Enough to Switch?

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Switching Medicare Supplements - Medical Underwriting: Are you Healthy Enough to Switch?

When switching your Medicare Supplement, it is important to know that you have to medically qualify. Some carriers will be lenient and some will be strict with pre-existing conditions and medications. Below is an average list of the medical questions that you will be asked in order to qualify for a Medicare Supplement.

1. Are you currently confined to a wheelchair or any motorized mobility device?
2. Are you currently hospitalized, confined to a bed, in a nursing home or assisted living facility?
3. Are you currently receiving any occupational, speech or physical therapy?
4. Have you been advised by a medical professional to have treatment, further diagnostic evaluation, diagnostic testing, follow up visits or any surgery that has not been performed?
5. At any time have you been medically diagnosed with, treated for, or had surgery for any of the following:
• Chronic kidney disease, kidney failure, or kidney disease requiring dialysis?
• B. Emphysema, Chronic Obstructive Pulmonary Disease (COPD), any other chronic pulmonary disorder or any cardio-pulmonary disorder requiring oxygen?
• Alzheimer’s Disease, dementia or any other cognitive disorder?
• D. Parkinson’s Disease, multiple sclerosis or amyotrophic lateral sclerosis (Lou Gehrig’s Disease)?
• E. Systemic Lupus, scleroderma or myasthenia gravis?
• F. Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?
• G. An organ transplant or been advised to have an organ transplant (excluding cornea transplants)?
• H. Chronic hepatitis or cirrhosis?
• Osteoporosis with fractures?
6. Do you have diabetes in addition to any of the following: retinopathy, neuropathy, peripheral artery disease, peripheral venous thrombotic disease, any heart disorder (including hypertension/high blood pressure), stroke, transient ischemic attach (TIA) or kidney disease?
7. Do you have an implanted cardiac defibrillator?
8. Within the past two years, have you been treated for, or been advised by a physician to have treatment for:
• A. Coronary artery disease, angina, heart attack, cardiac angioplasty, bypass surgery or stent placement?
• B. Cardiomyopathy, congestive heart failure, aortic or cardiac aneurysm, peripheral artery disease, peripheral venous thrombotic disease, vascular angioplasty, endarterectomy, carotid artery disease, any heart or heart valve disorder, atrial fibrillation, other heart rhythm disorder, or implantation of a pacemaker?
• C. Alcoholism or drug abuse?
• D. Any mental or nervous disorder requiring treatment (including hospital confinement) by a psychiatrist, psychologist, counselor or therapist?
• E. Internal cancer, lymphoma or melanoma?
• F. A stroke or transient ischemic attack (TIA)?
• G. Degenerative bone disease, spinal stenosis, rheumatoid arthritis, psoriatic arthritis, arthritis that restricts mobility or have you been advised to have a joint replacement?
9. Have you been advised by a medical professional that surgery may be required within the next 12 months for cataracts?
10. Have you been hospital confined three or more times in the past two years for a same or similar condition?

When switching your Medicare Supplement, it is key to work with a Broker like us because we are licensed and appointed with over 30 of the major Medicare insurance carriers in the country. If there is a carrier that won’t accept you, we represent many carriers that may approve you.

Posted By: Robert W. Bache, owner of Senior Healthcare Direct, MedicareBob's Office.

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