Health Approval Optimizer

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  In addition to your initial 6-month open enrollment period when you first enroll in medicare, there are several other potential scenarios that would allow you to be “Guaranteed Issue” into a Medicare Supplement plan without answering any health underwriting questions. If you fall into one of these scenarios then you are guaranteed to be accepted into the plan of your choice, regardless of your health. Click the main part of the box to see an outline of these “Guaranteed Issue” Scenarios.
  Yes, I am
  
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  This is the most common method for applying for and being approved for a Medicare Supplement insurance plan. If you are not in your initial Open Enrollment period or another “Guaranteed Issue” Scenario then the insurance Companies will utilize a health underwriting approval process. Although every insurance Company asks slightly different health underwriting questions, Clarity has built an incredibly easy-to-use click-through health category system to clearly and quickly identify your approval from all of the competing insurance companies in the marketplace. All questions are simple multiple choice.
  No, I am Not
  
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  In Addition to your initial 6 month open enrollment period when you first enroll in Medicare, there are several other potential scenarios that would allow you to be “Guaranteed Issue” into a Medicare Supplement plan without answering any health underwriting questions. If you fall into one of these scenarios then you are guaranteed to be accepted into the plan of your choice, regardless of your health. Click the mail part of the box to see an outline of these “Guaranteed Issue” scenarios.
  Help me Determine