Is a physical exam required for applying to Medicare Supplement insurance?

When applying for Medicare Supplement insurance, a physical exam is generally not required. Instead, insurers often rely on health questions as part of the underwriting process. These questions are designed to assess the applicant's health status and health history, which helps the insurer determine eligibility for coverage and the appropriate premium rates.

This approach streamlines the application process and makes it more accessible, as it allows individuals to apply based on their self-reported health information rather than undergoing a potentially cumbersome medical exam.

While some specific plans might have additional requirements based on an individual's unique circumstances, the broader practice of not requiring a physical exam aligns with the choice that indicates health questions may be required instead.