Oxford Declined Question

[deadhead]

If the guy is motivated to get the coverage and willing to do something for it have him go to his doctor and get a copy of his medical records or at least provide what they show he has been prescribed the last 10 years. Answer may be there

Easier said than done. I have found that hardly any FE prospects will go through that much work. They will simply move on to MOO, AARP, or Colonial Penn if you do not find them something fast enough. When I have a questionable prospect I will go ahead and prep them for the possibility of a second or third company. I will let them know there may be a price difference as well. Always works. Had a gentleman with med issues that my two easier companies said no to. We had to go graded. Had another gal who Equitable said no to on the PHI turned around and got her approved with Oxford five minutes later. You need to have several companies in your bag and be willing to switch when needed. I know on Standard's PHI they will mention past meds by name so at least you will know what you are working with.

 

[Gooner]

Someone mentioned this on another thread.

You ALWAYS want to ask about nitros when applying for coverage through Oxford.

The reason is is that your client most likely was prescribed them if they had any past heart issues, and never took them, even though he will have to refill the script every year so as not to carry around expired medications.

And the client never remembers to mention them if you don't ask, either.

Yup. My advice is to get on the pgone with Amanda at Oxford and talk it through with her. Even if it's still a decline, she can walk you through their process and it'll help you in the future.

Newby has Am Con/ Aetna fexcontracting.com

 

[jtow]

Someone mentioned this on another thread.

You ALWAYS want to ask about nitros when applying for coverage through Oxford.

The reason is is that your client most likely was prescribed them if they had any past heart issues, and never took them, even though he will have to refill the script every year so as not to carry around expired medications.

And the client never remembers to mention them if you don't ask, either.

Side note, I was talking to an applicant the other day who has a RX for Nitro, but on the bottle label states its for "Esophageal Irritation". Settlers said to send the app in with that noted on the app.

 

[deadhead]

Side note, I was talking to an applicant the other day who has a RX for Nitro, but on the bottle label states its for "Esophageal Irritation". Settlers said to send the app in with that noted on the app.

United Heritage will write that one

 

[GoCubsGo]

Easier said than done. I have found that hardly any FE prospects will go through that much work. They will simply move on to MOO, AARP, or Colonial Penn if you do not find them something fast enough. When I have a questionable prospect I will go ahead and prep them for the possibility of a second or third company. I will let them know there may be a price difference as well. Always works. Had a gentleman with med issues that my two easier companies said no to. We had to go graded. Had another gal who Equitable said no to on the PHI turned around and got her approved with Oxford five minutes later. You need to have several companies in your bag and be willing to switch when needed. I know on Standard's PHI they will mention past meds by name so at least you will know what you are working with.

Doesn't Oxford kick out anyone who has been declined elsewhere?

 

[deadhead]

Doesn't Oxford kick out anyone who has been declined elsewhere?

She hadn't officially been declined by the company yet. She had just gotten a no on the PHI.

 

[Biggin]

She hadn't officially been declined by the company yet. She had just gotten a no on the PHI.

I think it may be more accurate to say that the decline wasn't yet reported so Oxford could see it. But, hey as long as you're not replacing another savvy agent's business and they don't die in the first 2 years, you are probably fine. It's been a long time since I wrote Oxford so I can't remember if it's a flat decline if you've been declined elsewhere.

 

[FexMex]

Yup. My advice is to get on the pgone with Amanda at Oxford and talk it through with her. Even if it's still a decline, she can walk you through their process and it'll help you in the future. Newby has Am Con/ Aetna fexcontracting.com

I second that - I just had a client declined on the PHI with Oxford due to cancer drugs within the past two years, but she had been declared cancer free about 6 years ago. I spoke with Amanda and she approved the policy within 25 minutes. The client was ecstatic. Just proves that it never hurts to escalate the case if you get a decline from the interviewer.

 

[macquotes]

Try Protective Life and LFG has a table 3 to standard program. Also Legacy has a table 8 built into their plan

 

[goillini52]

Doesn't Oxford kick out anyone who has been declined elsewhere?

Yes, if they've been declined by anyone else in the past 2 years Oxford's a decline.