Chf

[HoosierLife]

Can someone explain exactly what is and is not considered congestive heart failure?

I really need to know in relation to 5 Stars question about CHF. They ask if the client has ever had CHF at any time.

The reason I ask is because I asked the client this question and he said no but got a little jittery. I know 5 star doesn't do RX checks, but wouldn't an MIB report find something even if it was a decade ago?

I guess I'll wait and see what UW says. He didnt want to dothe phone interview...nice thing you can skip that with 5 Star. But I really wanted to do one on this case. We shall see...

 

[VolAgent]

Can someone explain exactly what is and is not considered congestive heart failure?

I really need to know in relation to 5 Stars question about CHF. They ask if the client has ever had CHF at any time.

The reason I ask is because I asked the client this question and he said no but got a little jittery. I know 5 star doesn't do RX checks, but wouldn't an MIB report find something even if it was a decade ago?

I guess I'll wait and see what UW says. He didnt want to dothe phone interview...nice thing you can skip that with 5 Star. But I really wanted to do one on this case. We shall see...

Don't worry. He didn't have CHF 10 years ago.


He has CHF now.

 

[HoosierLife]

Don't worry. He didn't have CHF 10 years ago.


He has CHF now.

LOL. Your probably right. Though because of that I told him there might be an issue with one of his meds and told him hwe might have to put him with a graded plan.

On that note, what's a good company for somebody with CHF or angina. I wrote down his meds and one of them can be prescribed for Angina.

Oh never mind this guy freaked out over using his checking account so Vantis may be my only option.

 

[TDFnCali]

LOL. Your probably right. Though because of that I told him there might be an issue with one of his meds and told him hwe might have to put him with a graded plan.

On that note, what's a good company for somebody with CHF or angina. I wrote down his meds and one of them can be prescribed for Angina.

Oh never mind this guy freaked out over using his checking account so Vantis may be my only option.

Sounds like a chargeback waiting to happen with Vantis, 100% 1st yr! But u mentioned u used 5star, they allow direct billing if he does get approved.

 

[tins]

Sounds like a chargeback waiting to happen with Vantis, 100% 1st yr! But u mentioned u used 5star, they allow direct billing if he does get approved.

As does Settlers and Bankers Fidelity (and no chargebacks other than unearned advances).

 

[Jerard]

Sounds like a chargeback waiting to happen with Vantis, 100% 1st yr! But u mentioned u used 5star, they allow direct billing if he does get approved.

5 star only allows direct billing if you send a check. No money orders.

--------------------
Sent from some woman's closet on my phartsmone.

 

[HoosierLife]

Sounds like a chargeback waiting to happen with Vantis, 100% 1st yr! But u mentioned u used 5star, they allow direct billing if he does get approved.

He's using his credit card. So that's why I went with 5 star after he balked at checking acct.

Nobody has yet to explain what is and is not considered CHF to insurance companies.

 

[AllGold]

Nobody has yet to explain what is and is not considered CHF to insurance companies.

Not to be too much of a smart ass but wouldn't that be medical records containing a doctor's diagnosis of congestive heart failure?

 

[HoosierLife]

Not to be too much of a smart ass but wouldn't that be medical records containing a doctor's diagnosis of congestive heart failure?

Well I guess I'm asking is if a heart attack is considered CHF? Is anything heart related considered CHF? Is angina CHF? Or is it just something specifically designated as CHF?

 

[TDFnCali]

He's using his credit card. So that's why I went with 5 star after he balked at checking acct.

Nobody has yet to explain what is and is not considered CHF to insurance companies.

To me, it^^ means that if I ask the client "have u ever been treated, diagnosed or advised to receive treatment for CHF or congestive heart failure? Has a Dr ever mentioned that to you regarding your heart?" And if they say YES, thats considered CHF to the 'company' since I represent said company!

Also, if they say NO, but I see medications indicating otherwise, I grill them on it to be sure!


Thats how I do it