Short answer
It depends on who you go to. If you go to an insurance professional that can't offer you a GSI policy, it's highly unlikely you'd be able to get a policy. You'd likely be declined. If you go to a GSI agent and you haven't previously disqualified yourself, you can likely have a very comprehensive policy within one week.
A short clip from his webinar for residents and fellows, with captions.
Watch the full webinar from 21:06A non-GSI agent
Unfortunately, I see situations like this all the time. Let's say we have a resident that's a type 1 diabetic. If you go to an insurance professional that cannot offer you a GSI policy, it's highly unlikely that you would be able to get a policy. You would likely be declined.
A GSI agent
Now, if you go to a GSI agent and you have not previously disqualified yourself, you can likely have yourself a very, very comprehensive policy within one week that has all the right bells, whistles and features. With a medically underwritten policy, they look at your medical records, the pharmacy database, insurance company billing codes and family history. With a GSI policy, they simply ask you a few eligibility questions.
Don't disqualify yourself first
If you apply for a medically underwritten policy prior to getting a GSI policy, you will likely disqualify yourself from GSI eligibility. So before engaging an insurance professional, ask two questions. Is there a GSI policy available to the residents and fellows at my hospital? And if there is, can you offer it?
Where Jay covers this
Jump to each moment in his webinars.