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She faxed me the 3 page "Welcome to Aetna" letter. Page two listed her pre-existing conditions and said: (paraphrasing) " To keep these conditions from being considered as Pre-Existing by Aetna, you should provide proof of creditable coverage, if that coverage was in effect during the last 63 days."
Well, this lady hasn't had health insurance since her American Republic individual plan lapsed in April.
So Mike, you're saying that this is something your customers don't get in PA? This was my first and only Aetna client, so I've had zero experience with the company until now. It is strange that she didn't have to sign riders, even though page 2 sounded like her Pre-X conditions were being ridered.
-Allen
I've never sold an Aetna plan, but have sold plenty of Cigna plans and they are very similar.
If they didn't have creditable coverage in the last 63 days, there is a 12 month wait before pre-ex is covered --even if a rate-up is applied to cover said pre-ex conditions.