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Can an insurer ask health questions on a small group application?

April 26, 2017application group Health insurer small

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Can an insurer ask health questions on a small group application?

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Small group policies are guaranteed issue regardless of claim history, health status, or pre-existing conditions. Even though the policies are guaranteed issue, the insurer is allowed to ask medical questions on the application. The insurer cannot use the information to deny coverage but the health information may be used for determining pre-existing conditions and premiums.