Underwriting Requirements Rating and Underwriting

In some instances, Independence Blue Cross may require additional information to complete the underwriting process. Underwriting requirements may include:

• telephone interviews
• medical records
• health history or other questionnaires
• exams and/or blood tests

Additional information may be requested at the discretion of the underwriter based on underwriting rules, information obtained from the application, IBC claims history, or pharmacy records. The Underwriting Department will advise the applicant via letter, email, telephone, or any combination thereof of any additional information that may be needed to complete its review of the application. Applicants may be asked to submit medical records at their own expense. The Underwriting Department may also contact physicians directly for medical information, if appropriate. If Underwriting has obtained medical history from claims or other sources that were not reported in the application, such information will not be shared with the broker or producer.