Golden Rule Pre-ex 2 year exclusion

Sep 14, 2008

  1. padthaiforlunch
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    padthaiforlunch Guru

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

    Any suggestions on carriers which will rate it up instead?
     
  2. indmedins
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    Aetna won't rider, but may not be a competitive rate. Otherwise, can't hurt to do a few pre-screens.
     
  3. Crabcake Johnny
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    Humana, Aetna, Assurant
     
  4. somarco
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    somarco That Medicare Guy

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    How expensive is it to treat? Might be better to take the rider over a rate up. It often is on routine things.
     
    somarco, Sep 14, 2008
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  5. TXINSURANCE
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    What state is the applicant?
     
  6. padthaiforlunch
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    padthaiforlunch Guru

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

    Thanks.
     
  7. Crabcake Johnny
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    sinusitis is not a possible "BK illness" - sign the rider and be done with it - good choice.
     
  8. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    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.
     
  9. somarco
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    somarco That Medicare Guy

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    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.
     
    somarco, Oct 24, 2008
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  10. Crabcake Johnny
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    Why doesn't GR simply remove that absurd six month waiting period for reproductive-related events language and be done with it.
     
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