If your acceptance is not guaranteed due to federally-protected rights (Medigap Open Enrollment or Guaranteed Issue):

a. Carriers can ask what they want regarding your health,

b. Carriers can deny your application.

These are known, what is not well-known is that they are not asking the same questions.

To simply “get lucky” and get accepted under this idea is too risky, because when you apply, you are agreeing to the release of the fact that you have applied to a centralized location (MIB Group), that is used to prevent insurance fraud.

Bottom line: it is more subtle than you see on YouTube.

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