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I had a surprise on one yesterday. Lady has no health problems at all other than diagnosed with Ulcerative Colitis 18-years ago. Takes a med that she has done fine on for 15-years. No flare ups or events at all. Has a colon exam (can't spell colonostimy) every two years. All good.
Oxford's underwriting manual says will consider if surgery was 24+ months ago.
Find out that they will ONLY consider if there was a surgery 24+ months ago. This lady has never needed surgery because she does fine on meds. Oxford says if no surgery, no approval.
Med Sup underwriting is much less predictable than FE.