Final answer:
If a consumer does not apply during their Med sup open enrollment, they can still apply at any time, but they may be subject to medical underwriting. It's important for consumers to be aware of the open enrollment period for Med sup plans and apply during that time to avoid potential medical underwriting.
Step-by-step explanation:
If a consumer does not apply during their Med sup open enrollment, they can still apply at any time, but they may be subject to medical underwriting.
Medical underwriting is a process used by insurance companies to evaluate a person's health status, medical history, and other factors before deciding whether or not to offer coverage.
If a consumer applies outside of the open enrollment period, the insurance company may require them to answer health-related questions or undergo a medical examination to determine their eligibility for coverage.
It's important for consumers to be aware of the open enrollment period for Med sup plans and apply during that time to avoid potential medical underwriting.