“CMS defines Medical Underwriting as the process that an insurance company uses to decide, based on your medical history, whether or not to take your application for insurance, whether or not to add a waiting period for pre-existing conditions (if your State law allows it), and how much to charge you for that insurance.” – www.medicare.gov

“…is the process that an insurance company uses to decide, based on your medical history, whether to accept your application for insurance.”