16 Y.O. Taking Abilify for Whole Life

[0b1kanobee]

I have an app to do on a 16 Y.O. taking Abilify. I wasn't informed of this medication (even though I asked several times about meds) until I actually went to write up the app.

I called RNA and they said it would be a decline until the child turns 18 Y.O. but they couldn't write it on a 16 Y.O.

The app was supposed to be for 25k with 25k accidental insurance.

Anybody have any suggestions of where I should look next?

Also, the "Children's Insurance" portion of this forum seems to have vanished (maybe my vision is worse than I thought)

 

[TwiLight]

Abilify is used to treat Depression and Bi-Polar.

In teenagers, it is also prescribed to teens with suicidal issues.

You have more issues with the app other than just this drug being prescribed.

 

[0b1kanobee]

Abilify is used to treat Depression and Bi-Polar.

In teenagers, it is also prescribed to teens with suicidal issues.

You have more issues with the app other than just this drug being prescribed.

In this case (based on certain discoveries of prior medications and papers presented to me) it's for focus and hormone imbalance.

Meds are given for several things which they were not intentionally meant for. I had a doctor prescribe me Seroqueol (spelling) for a while years ago for sleep and I flipped out when I read what it was for. I've taken a drug for seizures and I've never had a seizure in my life so far. Not saying an underwriter wouldn't look at it differently but I'm pretty positive I'm not dealing with a suicidal teen in this case and I'm pretty sure doctors records would support that as well.

 

[Todd King]

Of course, if she is suicidal then the Abilify is doing its job and you wouldn't know, would you?

 

[GreenSky]

I give my wife large quantities of no-doz to combat her suicidal tendencies.

Rick

 

[coloradoseniormarket]

You may be better off using a fully underwritten contract with supporting records. For most cases, Abilify is used for a kicker or enhancer for depression meds or for a BiPolarII. There are probably other uses but the only way to clarify the issue is through the notes and diagnosis codes. Alliance is a little more liberal in their underwriting based on my experience.

 

[0b1kanobee]

You may be better off using a fully underwritten contract with supporting records. For most cases, Abilify is used for a kicker or enhancer for depression meds or for a BiPolarII. There are probably other uses but the only way to clarify the issue is through the notes and diagnosis codes. Alliance is a little more liberal in their underwriting based on my experience.

Do you mean Allianz?.........and I was kinda thinking the same thing. I'll call every carrier I have tomorow and see what I can find out. I would think MOO might have an option. I think I'm contracted with every company on the planet (seems that way anyway) so I should be able to find something. I figured this would be fairly easy for some of these producers on here if they had come across this before. It's not that uncommon for teenagers to be on these types of medications these days.

 

[coloradoseniormarket]

Do you mean Allianz?.........and I was kinda thinking the same thing. I'll call every carrier I have tomorow and see what I can find out. I would think MOO might have an option. I think I'm contracted with every company on the planet (seems that way anyway) so I should be able to find something. I figured this would be fairly easy for some of these producers on here if they had come across this before. It's not that uncommon for teenagers to be on these types of medications these days.

Sorry, I misspelled it- General American may be another option but I would approach Allianz first. Usually, I talk to the underwriter to see exactly what they want or need to make a decision, and I am very candid with what is going on. Many times they will cut me some slack because I go to them first rather than trying to push a case through after the fact.

 

[Rearden]

Monumental will work on Standard.

And they'll do double-indemnity.

But it's gonna be more expensive...