Risk Pool?

Apr 21, 2007

  1. joshril
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    joshril Guru

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    I'm thinking risk pool on this case.. anything else I can do?

    Type 2 Diabetes
    HBP controlled with meds
    5'6, 180lbs, Female
     
    joshril, Apr 21, 2007
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  2. Guest
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    Tell her to get a job with a company that has benefits.... or have her start her own business and hire someone (if small-group ins. is GI in her state).... or see if she might be elig. for Medicaid.

    Al
     
    Guest, Apr 21, 2007
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  3. joshril
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    joshril Guru

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    She is about a year and half away from Medicare and she is retired. That being said, I guess the risk pool is what I'm looking at...
     
    joshril, Apr 21, 2007
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  4. Guest
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    Guest Guest

    18 months away from Medicare? Maybe you could write her a short-term policy with diabetes waivered out (if not in CA). Or maybe you could try one of the impaired risk carriers?

    Worst comes to worst, she goes 'naked' for 18 months and then picks up m-care. How expensive is her diabetes meds, etc? How much is she going to spend month to month on healthcare for the next 18 months?

    I still think she should get a job somewhere she can get benefits... maybe at a telemarketing center or perhaps a clerical government job... for the next year or so.

    Al
     
    Guest, Apr 21, 2007
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  5. joshril
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    joshril Guru

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    Her COBRA is ending May 31st. The premium amount is around $600/mo.. I dont think she is interested in working.
     
    joshril, Apr 21, 2007
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  6. somarco
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    somarco That Medicare Guy

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    There are several STM's that will accept non-insulin dependent diabetics .

    Here is one
     
    somarco, Apr 21, 2007
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  7. joshril
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    joshril Guru

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    That's great! Do you know of any off the top of your head?

    I'm appointed with
    GR
    Assurant
    Unicare
    World
    GTL
    American Republic
     
    joshril, Apr 22, 2007
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  8. taterpeeler
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    just do risk pool and forget about it, spend time selling to the healthy
     
  9. joshril
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    joshril Guru

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    Typically that is my policy, but the reason I asked is this a close family friend.
     
    joshril, Apr 22, 2007
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  10. Crabcake Johnny
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    Risk Pool. STM not covering any pre-ex is too much liablity for her. And if she's a very good family friend you can make her understand (I'm sure she already does) that if she dropped some weight the HBP and type 2 would disappear.
     
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