To be eligible for the plans you must answer the following questions then proceed to rates
Rate page.
 
Option A applies if  age 55  and Under

For those persons over 55 please answer the following questions to determine your rate catergory

Questions number 1
Within the 12 months prior to the date of application have you taken or have you been advised to take a total of 3 or more prescribed medications , (including inhalers, but excluding vitamins and minerals) for one or more medical conditions, other than a Minor Ailment or the following medical conditions:
thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines and sleeping disorders?  NO Yes

Minor Ailment means a conditions which did not require the use of medications for a period of greater than 30 days  and did not require follow-up referral visit to a registered medical practitioner, or which did not require hospitalization or intervention.

If You answer NO to question 1 , move to  Option A or continue to question two for  lower rate qualifications

Question 2

Within the 12 months prior to the date of application, have you been treated (including the use of prescribed medication ) or diagnosed with a major medical conditions?  Yes   No
** Major Medical condition means a condition , which required the use of medication for a period of greater than 30 days or which required follow-up or a referral visit to a registered medical practitioner or which required a surgical intervention.
 
 If you answer Yes to question two , rate class B applies and if you answer No options C applies
 

Proceed to rates
based on the following

HMA
Persons 55 & under

No eligibility questions required Option A applies

Persons 56-69

Options "A" applies or may answer Question #1 to determine if eligible for lower rate options
If the applicant answers "Yes" to question #1 Option applies.  If the applicant answers "NO" to question #1 Option "A" applies, or continue to question s#2 for Lower rates options.

If the applicant answers"Yes" to questions #2 . Option "B" applies. If the applicant answers "NO" to questions #2 Option "C " applies.

Persons 70-75

May not be eligible to purchase this coverage , must answer Questions #1 to determine eligibility
If the applicant answers"Yes" to Questions #1, the applicant is not eligible to purchase this coverage.  IF the applicant answers"No" to questions #1 Options "A" applies or continue to question #2 for lower rate options.

If the applicant ansers "Yes" to Questions #2.Option "B" applies . If the applicant answers "NO" to Questions #2 Option "C" applies.

HMS & HMX

Persons 69 & Under
NO eligibility Questions required -HMS or HMX rates apply

Persons 70-89
May not be eligible to purchase this coverage , must answer Question #1 to determine eligibility