Anthem Blue Cross and Blue Shield Colorado - Underwriting Guidelines
Anthem has one of the easiest, most efficient underwriting teams in the industry. The process is very fast if no medical records are needed. While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, most applications that are done online are approved by Anthem within 24 hours. If medical records must be ordered, the application process will take longer.
The company does have the right to accept or decline any individual or family application. Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider. If you are currently being treated for depression, anxiety, or high cholesterol, Anthem is likely to accept you but it not guaranteed.