Drug abuse and Health Insurance...

Sep 16, 2007

  1. senior-advisor-indiana
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    If someone has been treated for drug abuse, how does that affect getting or changing thier health insurance.
     
  2. GreenSky
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    Oh God, this is TOO easy... Has your drug abuse kept you from getting coverage?

    Okay, had to do that.

    Years ago I tried to get insurance for someone who had completed a treatment program and was apparently clean for about 18 months. The company wanted 5 years treatment free.

    I don't run into that much but once in awhile someone will contact me. They seem to be in therapy so that would disqualify them for pre-existing reasons.

    Congratulations on kicking the habit.:D:D:D

    Rick
     
    GreenSky, Sep 16, 2007
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  3. senior-advisor-indiana
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    You caught me. So they don't just exclude it from coverage? They jusy don't issue coverage if it is within 5 yrs?
     
  4. The New Guy
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    Damn, another one of my high volume customers going straight on me. Hey Senior, I got bills to pay you know. I may have to contact my PPL Spokesman, and order one of those scary letters.
     
  5. senior-advisor-indiana
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    YOu charge too much. Thats why I am quitting.
     
  6. newmindfashion
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    Rick is correct. 5 years seems to be the rule with all my carriers. Free & clear 5 yrs.

    Whether or not they will then try to rider a recurrence will depend on the state where the plan is being written and the carrier.
     
  7. tommyk
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    Yep, drug abuse is a 5 year wait here also. They say that you have to be clean that long so you don't have ideas about going back....Okay, whatever....
     
    tommyk, Sep 18, 2007
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  8. Alston
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    I had a client with rehab in his history just this week. Most of the carriers I work with do have a 5 year rule. However, this is the rule from Aetna (Connecticut):

    Alcohol-2 years to be considered for a B rate (25% rate up)
    Marijuana-no use in 6 months for a B rate
    Other illegal Drugs-must be 5 years out for B rate
    Prescription Drugs-no use in 2 years for B rate
    IV use-permanent decline
     
    Alston, Sep 18, 2007
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  9. newmindfashion
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    Alston,
    Good info. Aetna's uw guidelines have gotten very competitive.
     
  10. senior-advisor-indiana
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    So even after 5 years you would still get rated up for it?
     
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