In what circumstances is the completion of the Standard Health Questionnaire not required?
• An applicant has Medicare benefits. • When a newborn, a child placed for adoption, or a newly adopted child regardless of age is being added to a parent’s existing policy, a health questionnaire does not need to be filled out for the child as long as the addition of the child is made within 60 days of birth, placement, or adoption. • An applicant is applying for medical insurance because they have used up all the available time on their “COBRA” coverage. In order for this exception to apply, the applicant must submit their application to the new insurance carrier within 90 days from the date that COBRA coverage ended. • The applicant’s former employer, who provided them with health coverage, has gone out of business while they were on “COBRA” coverage, and they are applying for medical insurance within 90 days from the date that coverage ended. • The applicant is applying for coverage with a new insurance carrier because their doctor or other health care provider has stopped being a
