Hepatitis C

Aug 28, 2007

  1. schoolofhardknocks2
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    schoolofhardknocks2 Expert

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    Hello all!

    Does anyone have any underwriting experience with Hepatitis C? Are there some carriers that are more forgiving than others?

    I have a 51 yo client who is 6'1 205llbs with no other history of illness or surgeries other than having a gall bladder removed 10 years ago. He is a non tobacco user and has never taken prescriptions including for the Hepatitis C. He has never shown symptoms of H-C before or after his diagnosis 10 years ago.

    Thanks for sharing your thoughts and experiences!
     
  2. somarco
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    somarco That Medicare Expert Guy

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    Have your client pull his MIB records before proceeding.
     
    somarco, Aug 28, 2007
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  3. schoolofhardknocks2
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    schoolofhardknocks2 Expert

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    What will pulling his MIB help in this situation?
     
  4. TXINSURANCE
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    TXINSURANCE Guru

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    I have found HEP C to be just one notch below HIV on the underwriting scale - AUTO DECLINE , all of my carriers, all of the time.

    While Hep C can go 'DORMANT' it is my understanding there IS NO cure and if it comes back the treatment is VERY expensive. I have a friend who went through it and it cost a small fortune.

    I also believe Hep C has a high rate of future liver issues. I can't imagine any carrier willing to accept this risk level on a traditional major med.

    I would stick with group , risk pool / HIPAA