Problem with APS and Records

[dabulls]

So i wrote a term policy with Midland over a month ago. Have everything done except the APS. This is a small policy $450 AP. The guy is about 40 and in good health. This is the last update I recieved:

"We received a notice from the copy service regarding the prepayment. Total cos t of records is $172.30 for 446 pages of medical records. We confirmed the inv oice number."

446 pages and $172.30?!?!?!

Is this normal and will MNL even pay this to get it issued?

If they dont get the medical records because of price , will he be declined and affect his future chances of getting a policy?

 

[pcbinsurance]

"About" 40 in "good health" with 446 pages of medical records? Something is not adding up here besides the $172 for records.

Are you appointed with Sagicor? Easy, instant approval for not a great deal more.

 

[dabulls]

"About" 40 in "good health" with 446 pages of medical records? Something is not adding up here besides the $172 for records.

Are you appointed with Sagicor? Easy, instant approval for not a great deal more.

He was in a motorcycle accident last year (not at fault) and has completely recovered, no major damage. That is the only thing he said he has been in the hospital for.

 

[pcbinsurance]

In the future, on these types of policies, ask them if they want to get quick coverage or, to save a few bucks, go through a process that could mean a 1-3 month wait.

If your IMO doesn't have Sagicor, find one that does.

 

[Larry Tew]

446 pages in anyone's medical file is anything but normal.

 

[scagnt83]

400+ pages is not normal and is very likely more than just a single incident.

The fee the doctor charges is usually per page. So the price is not totally unreasonable. Yes Midland will pay it. If Midlands records show what the cost is it shouldnt be much longer until the records are received.

But I would ask him what else has happened in his medical history. Something tells me you are in for a surprise on this one.

 

[dabulls]

400+ pages is not normal and is very likely more than just a single incident.

The fee the doctor charges is usually per page. So the price is not totally unreasonable. Yes Midland will pay it. If Midlands records show what the cost is it shouldnt be much longer until the records are received.

But I would ask him what else has happened in his medical history. Something tells me you are in for a surprise on this one.

Yeah I'm not as confident on this one...

 

[UW Guy]

400+ pages is not normal and is very likely more than just a single incident.

The fee the doctor charges is usually per page. So the price is not totally unreasonable. Yes Midland will pay it. If Midlands records show what the cost is it shouldnt be much longer until the records are received.

But I would ask him what else has happened in his medical history. Something tells me you are in for a surprise on this one.

Page length/cost isn't something to get frightened over. Kaiser Permanente literally takes 5-6 pages per appointment. A no show gets two to three pages, and then the phone calls and emails to reschedule can get another ten sometimes (emails to KP seem to get rerun four to five times in the records, it's INSANELY annoying). Other health systems can be just as bad.

The fee is also about a quarter a page so nothing too crazy. Some providers go $50 or $100 for the first 25 pages and then flat fee after that. Psych providers are the worst in this regard.

Unless there's something crazy in there it could be notes from his hospital stay (procedure updates, nurse notes, etc).

 

[dabulls]

Page length/cost isn't something to get frightened over. Kaiser Permanente literally takes 5-6 pages per appointment. A no show gets two to three pages, and then the phone calls and emails to reschedule can get another ten sometimes (emails to KP seem to get rerun four to five times in the records, it's INSANELY annoying). Other health systems can be just as bad.

The fee is also about a quarter a page so nothing too crazy. Some providers go $50 or $100 for the first 25 pages and then flat fee after that. Psych providers are the worst in this regard.

Unless there's something crazy in there it could be notes from his hospital stay (procedure updates, nurse notes, etc).

Thanks for the reply. Good info for future cases as well.

 

[LGilmore]

The average APS turns around in around 30 days, so if you're going fully underwritten, expect that as part of the underwriting process. The insurer pays the fees for the information, normal business practices.

Can't say I would go the other route mentioned unless I did a little field underwriting first. If the persons information makes you think table rates to decline, the other route may actually be cheaper.