A guy called this week looking for health insurance. I took down his information and learned his wife has "some kind of heart condition" where her heart beats erratically. Doc told her it was nothing to worry about. Probably 80% of the population has it.
After talking to the wife, and getting her to call the doc, I found out she has PSVT.
He put her on Toprol-XL 5 years ago.
She is a smoker.
I told him this may be a problem but I would look into it.
He told me it was never a problem in the past.
OK, so do you want me to help or not?
Sure, send me some numbers.
I emailed several carriers and here is what I got.
Aetna - probable 50% rate up
Blue - decline or 40% rate up + 3 yr waiver on the heart
GR - decline or waiver for arrhythmia
Humana - full cardio waiver
KP - 40% rate up or decline
Time - decline
I suggested he look at Aetna plans & factor in a 50% rate up.
He went ballistic. Told me Blue & Aetna had no problem with her in the past.
His coverage runs out on 10/31. Blue will take 2 - 3 months to underwrite and probably decline.
Aetna might be able to complete the underwriting in a few days if they don't order an APS.
He told me he was going with Blue because they covered her in the past.
Sure. In the past they would take diabetics but no longer.
I gave him my link to Blue and told him to call me if he wants to look at Aetna.
Makes me wonder why I even try to help. Probably should have just given him my link to Blue and sent him on his way.
Problem is, that is a no win situation.
If I don't say anything he get's pissed when it takes so long to get an answer.
If I tell him what to expect he wants to argue and tell me Blue took her before, no problem.
Can't win on that one.
After talking to the wife, and getting her to call the doc, I found out she has PSVT.
He put her on Toprol-XL 5 years ago.
She is a smoker.
I told him this may be a problem but I would look into it.
He told me it was never a problem in the past.
OK, so do you want me to help or not?
Sure, send me some numbers.
I emailed several carriers and here is what I got.
Aetna - probable 50% rate up
Blue - decline or 40% rate up + 3 yr waiver on the heart
GR - decline or waiver for arrhythmia
Humana - full cardio waiver
KP - 40% rate up or decline
Time - decline
I suggested he look at Aetna plans & factor in a 50% rate up.
He went ballistic. Told me Blue & Aetna had no problem with her in the past.
His coverage runs out on 10/31. Blue will take 2 - 3 months to underwrite and probably decline.
Aetna might be able to complete the underwriting in a few days if they don't order an APS.
He told me he was going with Blue because they covered her in the past.
Sure. In the past they would take diabetics but no longer.
I gave him my link to Blue and told him to call me if he wants to look at Aetna.
Makes me wonder why I even try to help. Probably should have just given him my link to Blue and sent him on his way.
Problem is, that is a no win situation.
If I don't say anything he get's pissed when it takes so long to get an answer.
If I tell him what to expect he wants to argue and tell me Blue took her before, no problem.
Can't win on that one.