Hello and thank you for reading.
I have a client who is 63 and covered in NJ by an Oxford HMO Individual HC plan. She is thinking of moving to NC in 2011. Since the NJ HMO won't respond out-of-state, she'll have to get a replacement policy in NC. She will pick up Medicare A, B & D w/a supplement when she turns 65.
The client has diabetes II, high cholesterol, mitral valve prolapse and high BP. Has been on meds for Cholesterol for years but it remains in the low 300's. BP seems to be stable and under control. Also may need hip replacement. Since I understand that NC isn't a GI state like NJ is I would imagine these ailments would have an impact on the premium.
Could you tell me
1. would NC impose a PreX clause on these ailments
2. if so, how long would that be in place or does it depend on the client's medical history
3. what kind of impact are we looking at as far as an increase in base premium if a company will take this on
Client is currently paying $600+/month for HMO w/50% Rx.
Thanks so much for any input you could give me.
I have a client who is 63 and covered in NJ by an Oxford HMO Individual HC plan. She is thinking of moving to NC in 2011. Since the NJ HMO won't respond out-of-state, she'll have to get a replacement policy in NC. She will pick up Medicare A, B & D w/a supplement when she turns 65.
The client has diabetes II, high cholesterol, mitral valve prolapse and high BP. Has been on meds for Cholesterol for years but it remains in the low 300's. BP seems to be stable and under control. Also may need hip replacement. Since I understand that NC isn't a GI state like NJ is I would imagine these ailments would have an impact on the premium.
Could you tell me
1. would NC impose a PreX clause on these ailments
2. if so, how long would that be in place or does it depend on the client's medical history
3. what kind of impact are we looking at as far as an increase in base premium if a company will take this on
Client is currently paying $600+/month for HMO w/50% Rx.
Thanks so much for any input you could give me.