Donepezil- Aricest

[jerryrut]

Not really, one completely removes the problematic tissue, the other merely treats the symptoms and could serve to mask the disease.

I do not anticipate a happy claims experience for anyone trying to thread this needle of prescribed any Alzheimer's medications for prophylactic use. If death is inside the contestable period, I wouldn't be surprised if it is contested and denied.[/QUOTE. Yep, I had to walk away from that one since she didn't want a GI policy.

 

[jerryrut]

This doesn't sound like standard practice. To my knowledge this drug is not classified as a preventative treatment, and therefore would be classified as a treatment medication of an on going condition.

The frustration on my end (as an agent) there appears to be little to no wiggle room when dealing with cognitive medications, though it is a progressive disease with multiple stages.

My wife is a nurse and neither us has ever heard of prevention on Alzheimer's, neither has the doctors that she's worked with.

 

[VolAgent]

This doesn't sound like standard practice. To my knowledge this drug is not classified as a preventative treatment, and therefore would be classified as a treatment medication of an on going condition.

The frustration on my end (as an agent) there appears to be little to no wiggle room when dealing with cognitive medications, though it is a progressive disease with multiple stages.

I believe it is off label use, which means it is basically viewed as if was prescribed for an approved use.

Companies are wise to be afraid of cognitive diseases. While there are always exceptions, people who have them tend to decline rapidly. Also you get into the question of whether the person was competent to contract and to answer health questions.

 

[jerryrut]

I believe it is off label use, which means it is basically viewed as if was prescribed for an approved use.

Companies are wise to be afraid of cognitive diseases. While there are always exceptions, people who have them tend to decline rapidly. Also you get into the question of whether the person was competent to contract and to answer health questions.

This lady had no health issues and lived alone, taking care of herself.

 

[VolAgent]

This lady had no health issues and lived alone, taking care of herself.

There are always exceptions. If you want simplified underwriting, you have to accept that most exceptions won't get as good a deal.

 

[Todd King]

My wife is a nurse and neither us has ever heard of prevention on Alzheimer's, neither has the doctors that she's worked with.

Closest thing I know of for that is weed.

 

[Life Hawk]

There are always exceptions. If you want simplified underwriting, you have to accept that most exceptions won't get as good a deal.

And the fact that they may be required to take a cognitive test before they are considered...

 

[goillini52]

I believe it is off label use, which means it is basically viewed as if was prescribed for an approved use.

Companies are wise to be afraid of cognitive diseases. While there are always exceptions, people who have them tend to decline rapidly. Also you get into the question of whether the person was competent to contract and to answer health questions.

I know that if somebody as Alzheimer's, they're only getting GI. For the sake of argument, if someone with Alzheimer's is asked the health question, "do you have diabetes", they should answer yes?

 

[VolAgent]

I know that if somebody as Alzheimer's, they're only getting GI. For the sake of argument, if someone with Alzheimer's is asked the health question, "do you have diabetes", they should answer yes?

Not sure I follow?

What I am saying, is that if someone has a cognitive disease, they may not longer be competent to contract. Nor may they be able to accurately answer health questions. To return to your example, they may be asked if they have diabetes, but they can no longer remember, they just have a reminder to take certain pills several times a day. The person could answer no simply because they don't know better. So to the best of their knowledge, they did answer the question accurately, however it was wrong.

 

[goillini52]

Not sure I follow?

What I am saying, is that if someone has a cognitive disease, they may not longer be competent to contract. Nor may they be able to accurately answer health questions. To return to your example, they may be asked if they have diabetes, but they can no longer remember, they just have a reminder to take certain pills several times a day. The person could answer no simply because they don't know better. So to the best of their knowledge, they did answer the question accurately, however it was wrong.

My point was that Alzheimer's is also referred to as Type 3 diabetes. I know that if they have Alzheimer's, they're going to go GI, and no need to ask the health questions. For the sake of discussion, would the insurance companies consider Alzheimer's as diabetes?

Edit: I was on the phone with Sentinel UWing and asked that question. For the sake of discussion...they wouldn't consider Alzheimer's to be diabetes. She'd never heard that before and Googled it while we were talking and she was amazed to know about Type 3.