Do I need a medical exam to get health care coverage?

No, there typically is no physical or other medical exam required to qualify for any health or dental care plan.

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Medical exams (including blood and urine samples) are common for other forms of insurance, such as Life, Disability, Critical Illness etc.

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For Medically Underwritten health care plans, there will be medical questions on the application, and the insurer may write to your physician (and compensate them) to produce a summary of your medical history. This is usually all that is required, though the insurer can request additional information as needed.