When are consumers subject to underwriting for AARP Medicare Supplement Insurance Plans?

Consumers are subject to underwriting for AARP Medicare Supplement Insurance Plans when they do not meet Guaranteed Issue criteria. This means that if an individual does not qualify for guaranteed issuance – the requirement that allows certain individuals to enroll in a Medicare Supplement plan without medical underwriting – they will need to undergo underwriting processes.

Guaranteed Issue typically applies during specific enrollment periods, such as when individuals are first eligible for Medicare or if they are changing plans under certain circumstances. If someone is outside of these situations, insurers may evaluate their health status and medical history to determine eligibility for coverage, which is akin to the underwriting process. This is standard practice in the insurance industry to manage risk.

The other scenarios do not necessarily result in underwriting. For instance, being over age 65 or having not been previously insured may not directly impact whether someone undergoes underwriting unless they specifically do not qualify for Guaranteed Issue conditions. Therefore, option B correctly identifies the specific condition under which underwriting would take place.