For a 69-year-old consumer without ESRD, what could make them ineligible for an AARP Medicare Supplement Insurance Plan if underwriting is required?

For a 69-year-old consumer applying for an AARP Medicare Supplement Insurance Plan, the requirement for underwriting can significantly influence eligibility, especially concerning recent health events. When an applicant has been hospitalized within the last 90 days, this typically raises red flags during the underwriting process. Insurance providers often consider recent hospitalizations as indicators of potential ongoing health issues or increased risk. This heightened risk can lead to either a denial of coverage or higher premiums if the applicant is deemed to be less favorable from a health standpoint.

In contrast, moving to a new location or not having Medicare Part A does not directly affect the individual's suitability for a Medicare Supplement Plan, as long as they meet the basic eligibility criteria for Medicare coverage. Pre-existing conditions might also not disqualify someone outright, depending on the specific guidelines of the insurance provider concerning how they handle pre-existing conditions and the timing of treatment.