Question

If a person does not enroll within the initial enrollment period and later wants to join the group...

A. They will receive a discount on their premiums.
B. They will be automatically enrolled with no waiting period.
C. They may be subject to medical underwriting.
D. They will not be allowed to join the group.

Answer 1

If a person does not enroll within the initial enrollment period and later wants to join a group, they may be subject to medical underwriting. Medical underwriting is a process where an insurance company evaluates an individual's health status and medical history before deciding whether to provide coverage and at what cost.

Step-by-step explanation:

If a person does not enroll within the initial enrollment period and later wants to join a group, (C) they may be subject to medical underwriting. Medical underwriting is a process where an insurance company evaluates an individual's health status and medical history before deciding whether to provide coverage and at what cost. This is done to determine if the person poses a higher risk and may result in higher premiums or even denial of coverage.