Medical underwriting refers to the process some health insurance plans (excepted benefit plans like short term medical and limited indemnity benefit plans) use to determine whether to insure you or what type of coverage to offer. You are usually asked to complete a health questionnaire. Depending on how you answer the questions, you may immediately be denied coverage under that specific plan, or you may be asked to provide more detail and, possibly, medical records. Major medical and ACA-compliant insurance plans do not use medical underwriting.

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