Brain Aneurysm... HELP!

Aug 12, 2008

  1. joshril
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    joshril Guru

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    I have a client that had a brain aneurysm 4 years ago. 100% recovery. No stroke, meds, follow-up at all. Neurologist has given her a clean bill of health and written a lengthy explanation that she is a better risk than 5% of the population because he knows for a fact that she does not have any aneurysms, while 5% of the rest of us do and don't know it.

    Anyway, Humana wants 5 years, World is saying standard after 3 depending upon documentation from the neurologist.

    Anyone know what Aetna would do with this? They are telling me 48 hours on a pre-screen and I'd like to write this today.
    I've never run into this situation before, but I'm leaning toward World.
     
    joshril, Aug 12, 2008
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  2. somarco
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    somarco That Medicare Expert Guy

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    This thing isn't going to sail thru underwriting in a matter of hours anyway, so what's the rush? My guess would be a decline but you never know with Aetna.
     
    somarco, Aug 12, 2008
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  3. joshril
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    joshril Guru

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    True, but the client prefers to meet in person and will only be in town a couple of days. Waiting is not a big issue and I'm sure she'll do this over the phone if necessary, but I just wondered if anyone had any insight?
     
    joshril, Aug 12, 2008
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  4. GreenSky
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    GreenSky Guru

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    I'd be doing more than "leaning towards World." Apply there, get the policy issued. In one year you can make other choices.

    Rick
     
    GreenSky, Aug 12, 2008
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  5. joshril
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    joshril Guru

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    That was my thought. The World plan is better than the existing carrier by far... (Starts with M and rhymes with Vega...)
     
    joshril, Aug 12, 2008
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  6. GreenSky
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    GreenSky Guru

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    What a minute. Celtic doesn't rhyme with Vega or start with an M.

    Rick
     
    GreenSky, Aug 12, 2008
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  7. Bob_The_Insurance_Guy
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    Bob_The_Insurance_Guy Guru

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    I find it hysterical that anyone that is a high risk candidate always gets the "letter" from the doctor stating how low of a risk they are.

    Of course the doctor is going to say that! They're not the one's insuring the risk!

    "My mechanic will swear that the car I drove into the river has no water damage". After he pumped it out, sprayed it with Bondo, and replaced the carpeting.
     
  8. bluemarlin08
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    I find it hysterical that anyone that is a high risk candidate always gets the "letter" from the doctor stating how low of a risk they are.

    Ain't that the truth!!!! I had a couple at the office today and she was talking about this little problem she had from hitting her head a few years ago and the internal bleeding into her brain and a few problems it caused. Has a doctor letter that said everything is pretty muck ok.
     
  9. joshril
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    joshril Guru

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    This one can actually be backed up scientifically... There is no increased risk once you get past 6 months after something like this...
     
    joshril, Aug 12, 2008
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