....For changing from BCBS F-HD to AARP Plan G, we were asked about.....
AARP/UHC Medical Underwriting questions in TX:
I had applied in TX wanting to change from a MoO UW Plan G that I just had clicked over 11 months on in early October, to an AARP/UHC Plan N. So I was switching companies, and downgrading in premium cost AND coverage. I had found a current enrollment kit for TX online (180 pages, but only 16 pages including some blanks and agent-only areas for the actual enrollment form).
The enrollment form was not specific to plan level (F, G, N etc.) but there is a question on the form where the user specifies which Plan level they are applying for.
I worked with BB via phone and email, and since I had all the info in advance on my own, I could just follow along to answering all the questions over the phone. The form did not ask anything about who my PCP was, I figured that would never come up unless an underwriter decided to call me on any clarification needed, and asked that specific question, which did not happen. I answered everything truthfully, and figured there should be no problem, which there wasn't.
These were the medical things asked in the
TX form, I'll quote some of CRLLS's text to save me typing:
5. Eligibility health questions only if your acceptance is not guaranteed as defined in Section 3:
5A.
Within the past 90 days, were you hospitalized as an inpatient (not including overnight outpatient observation)?
5B. Are you currently being treated or living in any type of nursing facility other than an assisted living facility?
5C. Has a medical professional told you that you have End Stage Renal (Kidney) Disease or that you require dialysis?
Answering YES to any question in Section 5 will result in a denial of coverage.
They go on to say if your health status changes in the future that allow you to answer NO to those 3 questions, you could reapply. And: If you answered NOT SURE to any question in Section 5, we will contact you for further information.
6. Answer these health questions to determine your rate only if your acceptance is not guaranteed as defined in Section 3:
Within the last 2 years were you diagnosed as having, treated, given medical advice or prescribed medications/refills by a medical professional for any of the following conditions?:
6A.
A-fib
Artery Blockage
Peripheral Vascular Disease
Cardiomyopathy
Congestive Heart Failure
Coronary Artery Disease
COPD
Chronic Kidney Disease
Diabetes (only if you have Circulation problems or Retinopathy)
Cancer including Melanoma( But not other skin cancers), Leukemia and Lymphoma
Cirrhosis of the Liver
[-]Macular degeneration (only if you have the set form)[/-]
[-]Rheumatoid Arthritis[/-]
[-]Systemic Lupus Erythematosus[/-]
6B.
Within the past 2 years, did you have (as determined by a medical professional) a Heart Attack, Stroke, Transient Ischemic Attack (TIA) or Mini-Stroke?
If you answered YES to any question in Section 6, your rate will be the Level 2 rate. See the "Cover Page - Rates". If you are NOT SURE to any question, we may need to contact you for additional information.
7. Tell us about your tobacco usage.
7A. At any time within the past 12 months have you smoked tobacco cigarettes or used any other tobacco product?
If you answered YES to question 7A, your rate will be the tobacco rate. See the "Cover Page - Rates".
They did ask about Kidneys, in my Section 5(C) and in 6(A).
I think it's safe to assume that they pull anything in the MIB (Medical Information Bureau) about you, as you give them permission to acquire data from wherever as part of the application form. You also sign the "to the best of my knowledge" statements, which if you knowingly answer falsely, they can disallow coverage of you at a later date.
The rates are state-specific, and parts of the forms may be too, as the last 3 questions in Section 6A that CRLLS had, were not on the TX form (I lined them out for clarity), nor did they ask about PCP.
Actually, I'm only half-way to my Part B deductible, and it's November.
