63 F NT w/Stent 3 months ago? Best option

[jasperjohns]

Client is not on any maintenance drugs but had a stent 3 months ago and Xanax. Nothing else. No other height or weight issues. Best carrier? Person is on Direct Express BUT if they were not who would have been best option?

 

[FinalExpenseDojo.com]

Stent is considered heart or circulatory surgery. Unless it's at least 12 months out, it'll be guaranteed Issue only to my knowledge. I like AIG for GI. They also take direct express...

 

[jasperjohns]

Stent is considered heart surgery. Unless it's at least 12 months out, it'll be guaranteed Issue only to my knowledge. I like AIG for GI. They also take direct express

How about SNL ROP?

 

[rousemark]

Stent is considered heart surgery. Unless it's at least 12 months out, it'll be guaranteed Issue only to my knowledge. I like AIG for GI. They also take direct express...

Stents are used for other than heart problems but I assume that is what the OP is talking about.

 

[DayTimer]

Stents are used for other than heart problems but I assume that is what the OP is talking about.

My understanding is that a stent is "vascular" or "circulatory" surgery, and most carriers I use often lump the knockout question along the lines of "During the last 24 months has the Proposed Insured been diagnosed as having, or been treated for Heart or circulatory surgery, including pacemaker, heart valve replacement, bypass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain? (that particular version is from RNA).

If there is a carrier out there where stent impant 3 months ago is level coverage, I would love a contract with said carrier.

 

[goillini52]

How about SNL ROP?

That'll work. A couple of bucks a month less than AIG and you get paid better. A win win situation.

 

[rousemark]

My understanding is that a stent is "vascular" or "circulatory" surgery, and most carriers I use often lump the knockout question along the lines of "During the last 24 months has the Proposed Insured been diagnosed as having, or been treated for Heart or circulatory surgery, including pacemaker, heart valve replacement, bypass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain? (that particular version is from RNA).

If there is a carrier out there where stent impant 3 months ago is level coverage, I would love a contract with said carrier.

You can have bronchial stents, urinary tract stents, etc... Any type of vessel or tube in the body that carries fluid or air may become damaged and require a stent. As to the effect of those non vascular stents would have on underwriting, I am not sure. UNL will give immediate coverage 12 months after heart surgery or stent placement.

 

[Baseball7]

Best question...

Where was the stent placed and why?

 

[FinalExpenseDojo.com]

How about SNL ROP?

What I should have said is it's non level coverage. I tend to lump GI , Graded, & Modified into the same category.

 

[goillini52]

What I should have said is it's non level coverage. I tend to lump GI , Graded, & Modified into the same category.

GI and Modified are the same, but Graded has 1st day coverage.