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Medical Underwriting

Determining acceptance of an applicant for health care insurance based on their medical history. It also determines the terms of the coverage including premium cost and pre-existing condition exclusions. The Affordable Care Act prohibits medical underwriting.

Biological Drugs

Biological, or Biologic, drugs are those made by or from living organisms (i.e. gene therapy, vaccines, antibodies, stem cells); such drugs, and their generic forms,…