Underwriting at Mutual of Omaha supplement meant answering health related questions when I had that supplement. No medical exam. However keep in mind it all depends on what you want concerning your health care. I have traditional medicare and a supplement and last year I broke my leg with surgery and rehab, had a macular hole in my eye w/treatment at Mayo Clinic in Rochester Mn. I had breast cancer with surgery and radiation. All paid 100%. I never ever considered an advantage plan no matter if it cost initially less.
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