What is required of consumers if it has been more than 7 months since their 65th birthday or Medicare Part B effective date?

If it has been more than 7 months since a consumer's 65th birthday or their Medicare Part B effective date, they are indeed required to answer health questions to determine their eligibility for Medicare Supplement Insurance Plans. This is due to the fact that outside of the designated open enrollment period, consumers may not qualify for guaranteed issue rights, which would allow them to enroll in a plan without medical underwriting. As a result, health questions become a necessary step in assessing risk and determining potential approval for coverage.

This process reflects the insurance industry's practices where health status can influence eligibility and premiums, providing a way for insurers to manage risk associated with covering individuals who may have pre-existing conditions or other health concerns. Consumers seeking to enroll outside of the specified time frames should be prepared to provide relevant health information, as this will impact their ability to obtain coverage.