You will not need to medically qualify if you meet any of the following criteria.
If you are enrolling from a BCBSND individual or employer health plan without a lapse in coverage.
If you are turning age 65 and you are enrolling within your seven-month initial enrollment period.
If you are 65 years of age or older and you complete an application within 63 days of termination of coverage from an employer-provided health plan. Coverage termination must be through no fault of your own, such as termination of employment or if your employer no longer has an employer-sponsored health plan. A certificate of coverage—a written copy explaining the health benefits of the plan—must be attached to the application. The certificate of coverage can be provided by your employer or you can request it directly by contacting Member Services of your current health insurance provider.
If coverage is not continuous or if the employer group doesn’t have the conversion guarantee, you would have to medically qualify.