Social Security & Medicare

If you get a supplement when you first go on Medicare then there is no medical underwriting; that is, they don’t check for prior conditions. After that initial enrollment window, however, the insurer can do medical underwriting and deny coverage if they so desire. Connecticut, Massachusetts, Maine and New York so not allow underwriting at any time, but that means their supplements are more expensive.

There are also some qualifying events that bypass underwriting such as your plan being withdrawn from your area.