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Renato’s new employer has just informed him that he is now eligible to join the...

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Renato’s new employer has just informed him that he is now eligible to join the company’s group insurance plan. He could thus benefit from life, disability, and prescription drug coverage. Renato promptly fills out the paperwork to apply for the plan’s basic coverage. Wondering if the process will involve medical underwriting at any point, he asks an agent from the group insurance provider. What should the agent tell him?

A.

Medical underwriting is required both upon application and when filing a claim.

B.

Medical underwriting is required upon application, but not when filing a claim.

C.

Medical underwriting is required (retroactively) when filing a claim, but not upon application.

D.

No medical underwriting is required, neither upon application nor when filing a claim.

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