Med Supp for clients who use insulin

Jul 3, 2019

  1. RunnerDude
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    RunnerDude Expert

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    Does anyone know of a Medigap company that will accept clients who currently use insulin? I was thinking there was one that had a "standard" rating.
     
  2. vic120
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    vic120 Guru

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    No heart condition's under 50 units many carriers Cigna, Westen united to come to mind

    Over 50 under 100, Bankers standard I have heard Everest also

    If there are other things be specific especially anything heart.

    If there is over 100 units or too much 2ndday issues Like heart or neuropathy, Then level 2 AARP or Cigna
     
    vic120, Jul 3, 2019
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  3. goillini52
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    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

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    About all of them. :yes:

    Diabetes With Insulin: Bankers Fidelity(No more than 50 units daily Standard), Cigna(Over 2 years or current 50 units daily ok), Companion Life(If never on more than 50 units daily ok), CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med), Everest(100 units daily ok, if no more than 100 units daily in past 5 years), LBL(No more than 50 units of insulin daily), LBL(No more than 50 units a day in past year, no more than 2 meds(injection or oral, A1C level can’t be above 7.0), LCBA(No more than 50 units a day), Oxford(good control onset over age 40 on oral meds or not taking more than 60 units of insulin daily), Sentinel Security(As long as never taken more than 50 units daily), WUL(No insulin pump and no more than 50 units daily in past 5 years)
     
  4. somarco
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    somarco GA Medicare Expert

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    @goillini52 and @vic120 offered good direction.

    While insulin is an issue more often than not you can miss an opportunity if they have other issues related (or not related) to diabetes. Cholesterol, heart med's can be a challenge. Neuropathy almost always a deal breaker.

    Point is, don't just stop asking questions about insulin. Ask about other med's as well.

    Most carriers do the bulk of their underwriting from Rx history which can be verified vs relying on the answers to health questions.
     
    somarco, Jul 4, 2019
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  5. goillini52
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    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

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    Yep, insuln by itself isn't a problem, but diabetes and heart are. Bankers Fidelity and Everest are good for that combo. Bankers Fidelity for diabetic neuropathy. :yes:
     
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