Agent4Life
Expert
- 42
Hi Everybody,
I have a Life Client who has asked me if I can help her to get some Health Insurance. Let me start off by saying that I have been away from the Health Insurance arena for a couple of years...(I used to sell MEGA a few years back - which was a terrible experience - and after I escaped from them, I decided to go independent and concentrate on Life & Annuities)......however, I did try to do a little checking around and the underwriting depts. of both Anthem/BCBS and Aetna said that if she applied, she would probably be declined b/c of her weight.
She is 44 years old; she weighs 307; she is 5'9, and she has sleep apnea. She has no other health conditions and takes no meds. A paramed, APS and EKG was done for the Life application, and everything came back fine. The sleep apena is treated with a CPAP machine. She lives in Virginia.
Do any of you Health Agents have any suggestions as to what I can recommend that she do about Health Insurance ??? I was actually able to get her approved for a Life policy (rated up of course) with about 3 different carriers; so I was thinking that "maybe" there are some Health companies out there that would approve her as well.
Any recommendations or suggestions would be greatly appreciated.
(P.S....I've already given her one good suggestion: loose weight soon !)
I have a Life Client who has asked me if I can help her to get some Health Insurance. Let me start off by saying that I have been away from the Health Insurance arena for a couple of years...(I used to sell MEGA a few years back - which was a terrible experience - and after I escaped from them, I decided to go independent and concentrate on Life & Annuities)......however, I did try to do a little checking around and the underwriting depts. of both Anthem/BCBS and Aetna said that if she applied, she would probably be declined b/c of her weight.
She is 44 years old; she weighs 307; she is 5'9, and she has sleep apnea. She has no other health conditions and takes no meds. A paramed, APS and EKG was done for the Life application, and everything came back fine. The sleep apena is treated with a CPAP machine. She lives in Virginia.
Do any of you Health Agents have any suggestions as to what I can recommend that she do about Health Insurance ??? I was actually able to get her approved for a Life policy (rated up of course) with about 3 different carriers; so I was thinking that "maybe" there are some Health companies out there that would approve her as well.
Any recommendations or suggestions would be greatly appreciated.
(P.S....I've already given her one good suggestion: loose weight soon !)