An Open Letter To Insurance Executive Lurkers.....

[annon123]

It's possible it's not asked in your state. They ask in NC, OH (my 2 main states) and several others.

Which state are you in or what state did you take an app in where UHC did not ask about Cancer?

MS

 

[sshafran]

MS

UHC in MS

Applicants that are outside of their Open Enrollment and do not qualify for guaranteed issue are underwritten for eligibility and they will be denied coverage if any of the following applies except for the first scenario (see note):

● Within the past 2 years, did a medical professional provide treatment or advice to you for any problems with your kidneys other than kidney stones? (Note: Not auto denied but additional information will be requested if “Yes”. Enrollment Department will reach out to consumer)
● Were you hospitalized as an inpatient (not including overnight Outpatient observation):
● Within the past 90 days or
● 3 or more times within the past 2 years
● Are you confined to a bed, receiving home health care, or currently being treated or living in any type of nursing facility other than an assisted living facility?
● Within the past 2 years, did you receive IV infusions or injections for Primary Immunodeficiency Syndrome?
● Has a medical professional ever told you that you have End-Stage Renal (Kidney) Disease (ESRD) or that you may or will require dialysis?
● Within the past 5 years, were you diagnosed with, treated, given medical advice, or prescribed medications by a medical professional for Leukemia, Lymphoma or Multiple Myeloma?
● Within the past 3 years, were you diagnosed with, treated, given medical advice, or prescribed medications by a medical professional for Cancer (other than Leukemia, Lymphoma, or Multiple Myeloma) or Melanoma or Metastatic Merkel Cell (but not other skin cancers)?
● Within the past year, did a medical professional tell you that you may need any of the following that has NOT been completed:
● Any surgery, biopsy, further evaluation, treatment, or diagnostic testing?
● Are you awaiting any diagnostic test results?

The level 2 price question are ....
Within the past 2 years, were you diagnosed, treated, given medical advice, or prescribed medications/refills by a medical professional for any of the following conditions?

- Atrial Fibrillation or Flutter (AFib)
- Artery or Vein Blockage
- Peripheral Vascular Disease (PVD)
- Cardiomyopathy
- Congestive Heart Failure (CHF)
- Coronary Artery Disease (CAD)
- Chronic Obstructive Pulmonary Disease (COPD)
- Emphysema
- Chronic Kidney Disease
- Diabetes (but only if you have circulation problems or Retinopathy)
- Cancer, including Melanoma (but not other skin cancers), Leukemia and Lymphoma
- Cirrhosis of the Liver or a Heart Attack
- Macular Degeneration (wet form)
- Multiple Sclerosis
- Rheumatoid Arthritis
- Systemic Lupus Erythematosus (SLE)
- Stroke
- Transient Ischemic Attack (TIA)
- Mini-Stroke

 

[straightnochaser]

Misinformation? Unless it has changed since last week the medical underwriting form I just filled out for a client for AARP UHC did not include asking about cancer. Some do, but UHC is less picky than some of them are which is fortunate for clients with issues who want out of a MAP and want supp G or F (if they are eligible) due to expensive health problems. Hopefully before you tell clients they will fail medical underwriting and are stuck in a MAP or on the supplement they have and want to change what they have, you will actually look at the current forms.

You can continue to trash me all you want. Doing that says more about you than it says about me. If you need to do that to make yourself feel superior/better about yourself then feel free to continue. It doesn't affect my life/me.

yikes

 

[sshafran]

I am surprised, for example, that UHC doesn't ask about cancer

They ask about cancer. Where did you get the idea they didn't? Same place as the idea about the Cleveland clinic?

I feel bad for the misinformation you give your clients.

Misinformation? Unless it has changed since last week the medical underwriting form I just filled out for a client for AARP UHC did not include asking about cancer. Some do, but UHC is less picky than some of them are which is fortunate for clients with issues who want out of a MAP and want supp G or F (if they are eligible) due to expensive health problems. Hopefully before you tell clients they will fail medical underwriting and are stuck in a MAP or on the supplement they have and want to change what they have, you will actually look at the current forms.

MS

UHC in MS

Applicants that are outside of their Open Enrollment and do not qualify for guaranteed issue are underwritten for eligibility and they will be denied coverage if any of the following applies except for the first scenario (see note):

● Within the past 3 years, were you diagnosed with, treated, given medical advice, or prescribed medications by a medical professional for Cancer (other than Leukemia, Lymphoma, or Multiple Myeloma) or Melanoma or Metastatic Merkel Cell (but not other skin cancers)?


The level 2 price question are ....
Within the past 2 years, were you diagnosed, treated, given medical advice, or prescribed medications/refills by a medical professional for any of the following conditions?

- Cancer, including Melanoma (but not other skin cancers), Leukemia and Lymphoma

Just making it easier for the agents in the room.