Client May Be Hard to Place W/Equitable?

[saintstigers]

Have a MAPD client who wants out of her plan and wants to get a med supp...

- 71 yr old female, non smoker
- In October of last year she had Pacemaker put in for slow heartbeat
- Type II diabetic on metformin (no insulin)
- Rx: metformin, lipronisil, citalopram, pravastatin, hydrochlorohiazide, levothyroxin, amlodipine

Has a pain pump for "inherited" neuropathy (not from diabetes??)

Not sure if Equitable would accept? Any other med supp carriers?

 

[goillini52]

Have a MAPD client who wants out of her plan and wants to get a med supp...

- 71 yr old female, non smoker
- In October of last year she had Pacemaker put in for slow heartbeat
- Type II diabetic on metformin (no insulin)
- Rx: metformin, lipronisil, citalopram, pravastatin, hydrochlorohiazide, levothyroxin, amlodipine

Has a pain pump for "inherited" neuropathy (not from diabetes??)

Not sure if Equitable would accept? Any other med supp carriers?

I think you lose her in question 1b. Wouldn't the pacemaker be categorized under A-Fib?

The only company I know that will take a pacemaker within a year is Cigna Sustandard.

 

[jacobtn]

Equitable will not not take anyone with a combination of diabetes and a heart history anymore. They used to allow that but change their underwriting a year or two back.

Pacemaker installed was too recent for anyone to even consider other than AARP or Cigna sub-standard as previously mentioned

 

[case1]

Have a MAPD client who wants out of her plan and wants to get a med supp...

- 71 yr old female, non smoker
- In October of last year she had Pacemaker put in for slow heartbeat
- Type II diabetic on metformin (no insulin)
- Rx: metformin, lipronisil, citalopram, pravastatin, hydrochlorohiazide, levothyroxin, amlodipine

Has a pain pump for "inherited" neuropathy (not from diabetes??)

Not sure if Equitable would accept? Any other med supp carriers?

You could possibly check out New Era/PAL this October, since it will have been 1 year on the pacemaker. But, I would call underwriting to see about the pain pump.

 

[saintstigers]

Talked to CIGNA underwriting about the case and they were said due to pacemaker, she'd be sub-standard. Also learned that they treat "inherited neuropathy" different from "diabetic neuropathy"...