Golden Rule Pre-ex 2 year exclusion

[padthaiforlunch]

Golden Rule has come back with a two-year rider on sinusitis.

Any suggestions on carriers which will rate it up instead?

 

[indmedins]

Aetna won't rider, but may not be a competitive rate. Otherwise, can't hurt to do a few pre-screens.

 

[Crabcake Johnny]

Humana, Aetna, Assurant

 

[somarco]

How expensive is it to treat? Might be better to take the rider over a rate up. It often is on routine things.

 

[TXINSURANCE]

What state is the applicant?

 

[padthaiforlunch]

She was coming off MEGA and took the rider. Will use hsa to pay for nasonex.

Thanks.

 

[Crabcake Johnny]

sinusitis is not a possible "BK illness" - sign the rider and be done with it - good choice.

 

[moonlightandmargaritas]

Just got some excellent client service from Golden Rule.

New client who had been without health insurance for about twelve months.

After issue, goes for ob/gyn exam. Early stage cervical cancer found. Even though there is a six month wait on reproductive stuff with GR, they will waive it and take on the claim.

Very impressed.

 

[somarco]

Early stage cervical cancer found. Even though there is a six month wait on reproductive stuff with GR, they will waive it and take on the claim.

Too bad there are not more stories like this.

Sad for your client.

Glad that GR is being a "stand up guy" on this.

Any chance that will make the 6 o'clock news?

Not on your life.

 

[Crabcake Johnny]

Why doesn't GR simply remove that absurd six month waiting period for reproductive-related events language and be done with it.