How to Get through Medicare Supplement Underwriting!

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Can you pass Medicare underwriting for a new Medicare supplement?
In this video I take explain the three biggest reasons why you should go through medicare supplement underwriting every couple years and then delve into how different medicare supplement carriers have very different underwriting standards and criteria and why you should use an independent niche medicare broker to help you successfully navigate the 24 month medications background check, how to honestly and successfully answer the health questions and all the ins and outs of the process of Medicare supplement underwriting. You will have a good idea if you can pass and if you will be subject to pre-existing conditions by viewing the entire video

Medigap plan underwriting is not nearly as strict and life insurance underwriting, but it can be stressful for those folks who have never done this before. This video will help you understand what to expect when going through Medicare supplement underwriting.
00:00 Introduction to how to get through a medicare supplement underwriting
00:15 1st step is to research then call an independent medicare niche broker
01:04 different insurance companies conditions (example spinal stenosis)
02:03 There are three reasons someone wants to enroll in a new medicare supplement
03:15 Reason one is to leave advantage plan to enroll in a medicare supplement
05:46 Reason two is you’ve had consistent medicare supplement rate increases and want to lower rate significantly yet keep your same letter plan (for instance Plan G move to Plan G with different carrier
07:18 Reason three is you’ve had the Plan G and are tired of 12 percent rate increases and want to change to the Plan N which has 3-5 percent rate increases
08:31 Step one in passing medical underwriting is call a medicare niche agent (independent broker)
09:17 Step two: Be honest about your medications from full two year period and have pharmacy give you a two year print out of meds so I can do my job and pinpoint right carrier
10:41 Different insurance companies have different underwriting standards. I must find the carrier that looks at your health issues most favorably
12:11 Drugs you take on the denied drug list may not apply if you take it for a different medical condition than the deniable medical condition (gabapentin for example)
14:26 Step three in passing underwriting is reading and rereading health questions and answer the right way without giving too much info
18:10 review of three steps to successfully pass underwriting