Which of the following is NOT an underwriting criterion for Medicare Supplement Insurance?

The reasoning behind the choice that indicates consumers cannot be underwritten if they have existing coverage aligns with the principles governing Medicare Supplement Insurance. Under the guidelines, existing coverage can, in fact, lead to underwriting processes.

Most consumers changing from one Medicare Supplement plan to another typically have guaranteed issue rights that prevent them from undergoing medical underwriting, but this applies only under certain conditions. When a consumer is within their Open Enrollment period, or qualifies for specific guaranteed issue situations, they cannot be denied coverage based on health reasons. However, if consumers are seeking to change plans outside of those conditions, having existing coverage does not exempt them from being underwritten when applying for a new policy.

In essence, being underwritten hinges on the consumer's situation, especially regarding the timing of their application in relation to their existing plan and whether they qualify for guaranteed issue. Thus, stating that consumers cannot be underwritten strictly because they already have coverage is not accurate within the broader framework of underwriting criteria for Medicare Supplement Insurance.