Med Supp Underwriting for Diabetics Clients

I have a prior book of business in DME and most folks, by far, have BC/BS Plan F. With the local press writing about the whole Plan F issue for 2020, some well read seniors are looking to switch (I would recommend Plan G).

Short of switching everyone to BC/BS Plan G, is anyone aware of an Illinois carrier that is cheaper and has underwriting (as much as realistic) favorable to diabetics? I have clients on oral meds and some on insulin.

This is a tall order but would appreciate any insights you may have. :idea: Thank you
 
I have a prior book of business in DME and most folks, by far, have BC/BS Plan F. With the local press writing about the whole Plan F issue for 2020, some well read seniors are looking to switch (I would recommend Plan G).

Short of switching everyone to BC/BS Plan G, is anyone aware of an Illinois carrier that is cheaper and has underwriting (as much as realistic) favorable to diabetics? I have clients on oral meds and some on insulin.

This is a tall order but would appreciate any insights you may have. :idea: Thank you

Most will take Diabetes, insulin or not...just not more than 50 units a day. Bankers Fidelity will be the most lenient for Diabetes with a heart condition other than HBP.

Diabetes with HBP: Aetna(3 or more HBP meds ok as long as No insulin), Bankers Fidelity, (Cigna(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Cigna Substandard(Over 2 years if no more than 2 diabetes meds or no more than 50 units of insulin daily), CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med and 2 HBP meds, no increase in meds in past 2 years and 150/85 or lower), Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No circulatory or peripheral vascular disease and no blood thinners for more than 6 months), Equitable(can be on up to 2 diabetes meds including insulin(but insulin makes it Standard) and 2 HBP meds), Manhattan(If no more than 2 diabetic med including insulin if less than 50 units daily and 2 HBP meds), New Era(As long as no insulin), Oxford(good control of diabetes and HBP onset over age 40 on oral meds or not taking more than 60 units of insulin daily), Sentinel Security(Consideration given for well controlled cases if no more than 2 oral meds or less than 50 units of insulin and 1 oral med for diabetes along with no more than 2 HBP meds if no change in doses in last 2 years), UNL(Never more than 2 HBP meds).

There are a few others that I haven't added yet.
 
Wow. Thank you for such a comprehensive answer!! Truly appreciate it

You actually read that?

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Most will take Diabetes, insulin or not...just not more than 50 units a day. Bankers Fidelity will be the most lenient for Diabetes with a heart condition other than HBP.

Diabetes with HBP: Aetna(3 or more HBP meds ok as long as No insulin), Bankers Fidelity, (Cigna(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Cigna Substandard(Over 2 years if no more than 2 diabetes meds or no more than 50 units of insulin daily), CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med and 2 HBP meds, no increase in meds in past 2 years and 150/85 or lower), Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No circulatory or peripheral vascular disease and no blood thinners for more than 6 months), Equitable(can be on up to 2 diabetes meds including insulin(but insulin makes it Standard) and 2 HBP meds), Manhattan(If no more than 2 diabetic med including insulin if less than 50 units daily and 2 HBP meds), New Era(As long as no insulin), Oxford(good control of diabetes and HBP onset over age 40 on oral meds or not taking more than 60 units of insulin daily), Sentinel Security(Consideration given for well controlled cases if no more than 2 oral meds or less than 50 units of insulin and 1 oral med for diabetes along with no more than 2 HBP meds if no change in doses in last 2 years), UNL(Never more than 2 HBP meds).

There are a few others that I haven't added yet.

Nice paragraph(book) between 2 sentences...
 
Most will take Diabetes, insulin or not...just not more than 50 units a day. Bankers Fidelity will be the most lenient for Diabetes with a heart condition other than HBP.

Diabetes with HBP: Aetna(3 or more HBP meds ok as long as No insulin), Bankers Fidelity, (Cigna(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Cigna Substandard(Over 2 years if no more than 2 diabetes meds or no more than 50 units of insulin daily), CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med and 2 HBP meds, no increase in meds in past 2 years and 150/85 or lower), Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No circulatory or peripheral vascular disease and no blood thinners for more than 6 months), Equitable(can be on up to 2 diabetes meds including insulin(but insulin makes it Standard) and 2 HBP meds), Manhattan(If no more than 2 diabetic med including insulin if less than 50 units daily and 2 HBP meds), New Era(As long as no insulin), Oxford(good control of diabetes and HBP onset over age 40 on oral meds or not taking more than 60 units of insulin daily), Sentinel Security(Consideration given for well controlled cases if no more than 2 oral meds or less than 50 units of insulin and 1 oral med for diabetes along with no more than 2 HBP meds if no change in doses in last 2 years), UNL(Never more than 2 HBP meds).

There are a few others that I haven't added yet.

Nice detailed list. You forgot to include any heart issues regardless of time passed will knock out most of them. Assuming no heart problems that is a pretty good cheat sheet.
 
Nice detailed list. You forgot to include any heart issues regardless of time passed will knock out most of them. Assuming no heart problems that is a pretty good cheat sheet.


Thanks. I've got 5 categories for Diabetes. I didn't list them all, because I didn't want to hurt SAI's eyes any more than I already did.

Diabetes with heart is pretty limited. Again, I have several companies to add, so this could end up being longer. Cover your eyes Mike...:laugh:


Diabetes With Heart Conditions: Bankers Fidelity(ok as long as no heart or circulatory surgery in past 2 years and not more than 50 units of insulin daily, meds could make Standard rate instead of Preferred), (Cigna Substandard(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No stents, circulatory or peripheral vascular disease and no blood thinners for more than 6 months). If taking anything for heart and it hasn't changed in 2 years it's considered a maintenance drug. CSI Life(will consider diabetes with arrhythmia if controlled and no episodes in 2 years.), New Era( No heart trouble or change in meds in past 5 years and no insulin), Oxford(good control of diabetes and heart trouble onset over age 40 on oral meds or not taking more than 60 units of insulin daily).
 
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Does this help?

Diabetes with HBP:
Aetna(3 or more HBP meds ok as long as No insulin),
Bankers Fidelity, (Cigna(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Cigna Substandard(Over 2 years if no more than 2 diabetes meds or no more than 50 units of insulin daily),
CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med and 2 HBP meds, no increase in meds in past 2 years and 150/85 or lower),
Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No circulatory or peripheral vascular disease and no blood thinners for more than 6 months),
Equitable(can be on up to 2 diabetes meds including insulin(but insulin makes it Standard) and 2 HBP meds),
Manhattan(If no more than 2 diabetic med including insulin if less than 50 units daily and 2 HBP meds),
New Era(As long as no insulin),
Oxford(good control of diabetes and HBP onset over age 40 on oral meds or not taking more than 60 units of insulin daily),
Sentinel Security(Consideration given for well controlled cases if no more than 2 oral meds or less than 50 units of insulin and 1 oral med for diabetes along with no more than 2 HBP meds if no change in doses in last 2 years),
UNL(Never more than 2 HBP meds).

Diabetes With Heart Conditions:
Bankers Fidelity(ok as long as no heart or circulatory surgery in past 2 years and not more than 50 units of insulin daily, meds could make Standard rate instead of Preferred), (Cigna Substandard(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily),
Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No stents, circulatory or peripheral vascular disease and no blood thinners for more than 6 months). If taking anything for heart and it hasn't changed in 2 years it's considered a maintenance drug.
CSI Life(will consider diabetes with arrhythmia if controlled and no episodes in 2 years.), New Era( No heart trouble or change in meds in past 5 years and no insulin),
Oxford(good control of diabetes and heart trouble onset over age 40 on oral meds or not taking more than 60 units of insulin daily).
 
Does this help?

Diabetes with HBP:
Aetna(3 or more HBP meds ok as long as No insulin),
Bankers Fidelity, (Cigna(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily), Cigna Substandard(Over 2 years if no more than 2 diabetes meds or no more than 50 units of insulin daily),
CSI(Well controlled taking no more than 2 meds, less than 50 units of insulin daily considered 1 med and 2 HBP meds, no increase in meds in past 2 years and 150/85 or lower),
Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No circulatory or peripheral vascular disease and no blood thinners for more than 6 months),
Equitable(can be on up to 2 diabetes meds including insulin(but insulin makes it Standard) and 2 HBP meds),
Manhattan(If no more than 2 diabetic med including insulin if less than 50 units daily and 2 HBP meds),
New Era(As long as no insulin),
Oxford(good control of diabetes and HBP onset over age 40 on oral meds or not taking more than 60 units of insulin daily),
Sentinel Security(Consideration given for well controlled cases if no more than 2 oral meds or less than 50 units of insulin and 1 oral med for diabetes along with no more than 2 HBP meds if no change in doses in last 2 years),
UNL(Never more than 2 HBP meds).

Diabetes With Heart Conditions:
Bankers Fidelity(ok as long as no heart or circulatory surgery in past 2 years and not more than 50 units of insulin daily, meds could make Standard rate instead of Preferred), (Cigna Substandard(Over 2 years on more than 2 HBP meds and no more than 50 units of insulin daily),
Companion Life(Never more than 50 units of insulin a day and no more than 2 each of diabetic meds and HBP meds with reading 150/85 or lower for 2 years. No stents, circulatory or peripheral vascular disease and no blood thinners for more than 6 months). If taking anything for heart and it hasn't changed in 2 years it's considered a maintenance drug.
CSI Life(will consider diabetes with arrhythmia if controlled and no episodes in 2 years.), New Era( No heart trouble or change in meds in past 5 years and no insulin),
Oxford(good control of diabetes and heart trouble onset over age 40 on oral meds or not taking more than 60 units of insulin daily).


Thanks Ron, that'll make it easier for SAI to read.:laugh:
 
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