Declined for Strep Throat. WTF?

[Crabcake Johnny]

Rates for who Scott, Aetna?

 

[STIBROKER]

no....uniscare......

Rates for who Scott, Aetna?

 

[Crabcake Johnny]

Bad?

 

[STIBROKER]

about 20% to 25%.....but .....this happens every year at this time....but in the past 9% to 15%....but it always seems that by the time Oct hits everyone else has adjusted their rates.....we will see....at any rate my book will be shopped....

 

[Crabcake Johnny]

Yep. Having to switch clients at year 2 and 3 is unexpected income for me. I had planned on just letting people stay with the same company or re-underwriting them and getting new rates. Ain't working out that way. A lot of my clients really could give a crap who they're with - they just want a solid affordable plan. There's no "brand loyality" at all - especially when their rates get jacked 20%.

Why re-underwrite through the same company? I mean, how much of a sucker am I? If they get a new plan they're 2 year period starts over so there's no protection there and I get paid? Well....nothing. I just keep getting renewals. No way. If they're new 2 year period has to start over and another company has a great plan that saves money I'm going for the 1st year commish. The insurance companies need to wake up.

 

[K-Dub]

What DOES Unicare take?

God, Jesus, Those who can walk on water...etc.

 

[STIBROKER]

thats the truth.......but a 20% on the lower than everyone else's prem and in most case's is not worth the switch to save $10 to $20....

There's no "brand loyality" at all - especially when their rates get jacked 20%.

 

[Crabcake Johnny]

Yes...with more holes in their policies than swiss cheese.

 

[Golddoor]

Yes...with more holes in their policies than swiss cheese.

"Holes" What holes are you talking about exactly?

 

[Crabcake Johnny]

There's an entire thread on it. But download the Unicare brochures and make a chart showing each benefit then compare it against other companies. That's what I did.