I rarely have a Medigap application rejected and don't recall ever having one postponed due to an MIB hit.
Today is a first.
Carrier has been dragging their feet for over 2 weeks. Finally today said the application was postponed for 30 days pending receipt of doc records. Reason given was an MIB hit.
Talked with client. Has not made a life or health application in the last 5+ years that was declined or rated.
This carrier pulls MIB and script check. Said nothing about scripts, only MIB.
I suggested that client get records from MIB but that will take weeks. If something is in error can take months to correct.
Every application I have looked at has the disclaimer that the carrier has the right to check MIB but this is the first time it has been an issue.
How often do carriers check MIB? Have you ever had an app declined due to an MIB hit?
Ladies BMI is 29. Takes BP & cholesterol med's and Metformin 1000mg BID for insulin resistance.
Today is a first.
Carrier has been dragging their feet for over 2 weeks. Finally today said the application was postponed for 30 days pending receipt of doc records. Reason given was an MIB hit.
Talked with client. Has not made a life or health application in the last 5+ years that was declined or rated.
This carrier pulls MIB and script check. Said nothing about scripts, only MIB.
I suggested that client get records from MIB but that will take weeks. If something is in error can take months to correct.
Every application I have looked at has the disclaimer that the carrier has the right to check MIB but this is the first time it has been an issue.
How often do carriers check MIB? Have you ever had an app declined due to an MIB hit?
Ladies BMI is 29. Takes BP & cholesterol med's and Metformin 1000mg BID for insulin resistance.