Aetna's Jekyll & Hyde Underwriting

[somarco]

They have 2 value plans here. $10k & $7500 deductible. Both are junk.

I haven't seen their annual max plan, but suspect that is a preview of their idea of GI.

 

[TXINSURANCE]

Just submitted a pre-screen on a 24 yr old with anxiety. He takes paroxetine HCL (generic Paxil) daily. This is a $4 generic drug, no counseling, no serious issues.

Aetna wanted a 40% increase. Humana says it is a standard risk.

I have read statistics those persons on mental drugs are up to 700% more likely to have non mental related claims as well.

What if she goes on a non generic med that is hundreds per month? What if she is bi polar, needs counseling? what if? what if?

Aetna doesn't rider so "what if" becomes a pretty big issue.

Not defending anything just pointing out a perspective.

 

[COInsguy]

Not to keep bringing up Cigna, but whats interesting to me is a few of the higher ups from Aetna's UW dept work for Cigna now, I've placed 3 different types of mental health cases with them now:
ADD, Deppression & Anxiety.... (I know everyone is taking meds for this garbage these days) with no issue other than some expected rate ups. I was hesitant to submit them at first because Aetna seemed like it depended on what day of the month it was whether they would accept or reject an app with even minor meds on it.

 

[ABC]

I got appointed with Aetna about a few months ago but have not even ran quotes for them because I fear their customer service is low.

I can't even get a sales rep to call me back. So what happens if I have handle a claim?

I wish I had the option of writing Cigna on the individual side.

 

[somarco]

Is Cigna taking bipolars? Aetna used to but not any more. No one else will touch them.

 

[TXINSURANCE]

I have companies that will possibly waiver it, depends on the state.

 

[COInsguy]

I got appointed with Aetna about a few months ago but have not even ran quotes for them because I fear their customer service is low.

I can't even get a sales rep to call me back. So what happens if I have handle a claim?

I wish I had the option of writing Cigna on the individual side.

You can go direct with cigna, in fact there's no reason to go through a GA as they don't pay an over ride to them. Unless of course your captive but doesn't sound like you are. If you need a rep's info let me know and I'll send to you.
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Is Cigna taking bipolars? Aetna used to but not any more. No one else will touch them.

Not sure haven't crossed that bridge yet...doesn't show in the decline list.

UW Guide shows:
Mental Health w/50% rate up is :counseling up to 2 mies/month and/or 2 Rx history of 1 inpatient hospitalization over 3 years ago.

 

[sannok]

thank you for share

 

[jmhopkins40]

Between Aetna's higher base pricing and the 25-50% rate increases, I've yet to find a single case this year worth writing with them. Anthem BC/BS here has lower pricing across the board and the benefits are almost exactly the same. They have also taken almost all of my rejects from Humana as a Level 2 or 3 risk class.

were those recent rejections....noted on the anthem application??? thats a very important question.

 

[dgoldenz]

were those recent rejections....noted on the anthem application??? thats a very important question.

Anthem does not ask if the applicant has been declined/rated/had a modified offer.