Humana Underwriting re Pre-Ex

Mar 5, 2008

  1. headcoach
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    headcoach Super Genius

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    I am not contracted with Humana. How will they underwrite high blood pressure as well as high cholesterol. Do they rider it? if so how?
     
  2. somarco
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    somarco GA Medicare Expert

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    Going from memory since I am not at my office computer. Both are rated unless there are other medical conditions. Seems like some HTN's are standard, but that may not be right.

    I do know they are more reasonable than any of my other carriers in their loads for chol & HTN.
     
    somarco, Mar 5, 2008
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  3. TXINSURANCE
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    TXINSURANCE Guru

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    Depends on the plan deductible - pick up an underwriting guide book, you can probably download online.
     
  4. somarco
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    somarco GA Medicare Expert

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    HTN AND cholesterol combined with overweight, smoker, other contributing factors is a decline.
     
    somarco, Mar 6, 2008
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  5. TXINSURANCE
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    TXINSURANCE Guru

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    Even if it is not declined you are going to have to jump through hoops. I hope you have a motivated buyer willing to play along.
     
  6. somarco
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    somarco GA Medicare Expert

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    Just looked it up.

    HTN + chol = rate up, avg 10% for each med

    HTN + chol + tobacco = decline

    HTN + chol + ratable build = decline

    BP readings last 12 months, chol + tri + HDL/LDL last 12 months

    I haven't had any declines with H1 for HTN or chol but then I don't submit stuff that wont pass muster to any carrier.
     
    somarco, Mar 6, 2008
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  7. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    I have been pleasantly surprised with HumanaOne.

    About a year ago, I had a 60ish lady that I thought might present some problems due to osteoporosis meds, but no problem. Issued as applied for.
     
  8. Chkndinner14
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    Chkndinner14 Super Genius

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    Most of the HDHP or Mongrams have been approved same day for me. It's been amazing.
     
  9. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    bam....just had a humana issue in 5 min's......
     
  10. taterpeeler
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    taterpeeler Guru

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    nope, u got nothing....just had a 62 f hbo, chlost. and thyroid done no rider 10% in 3 minn... and it was the top plan 1000 ded, rx and full dr copays..... so there... top that!!!!!
     
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