Medicare supplementals require people to fill out applications. These applications include a detailed Medical history. While the person filling out the forms may feel like the invasive forms are a violation of privacy, there is a valid Medical and Insurance reason to fill the forms out completely. Failure to fill out the application correctly delays the processing of the application. Lying on the application forms for Medical supplementals can result in losing this type of coverage. Filling out the forms completely and honestly can affect the coverage you receive, but you do have a right to purchase a Medigap policy.
Medigap insurance providers do not undergo a person to undergo a physical exam in most cases. The exams are often annoying and obtrusive wastes of time for most people. \The forms remove the need for a doctor to give a patient a clean bill of health, but the insurance company still needs to know about health problems. The forms filled out require the patient to give a complete history of himself and his immediate family members. The insurance company uses this information in a process they call medical underwriting. If a person decides to purchase Medicare supplementals when he enters his open enrollment period, he may still have to fill out a form, but he can freely choose a plan.
Area Agencies on Aging may provide help with tax forms and filling out rent rebates, but they usually do not offer assistance for a person filling out forms for Medigap insurance. Doctor’s offices are often too involved with filling out the paperwork they have to send to insurance companies, and Medicare does not make their burden lighter. If a person does not know an answer, he just needs to answer the question to the best of his or her ability. Insurance companies do not penalize people for not knowing an answer.