Stent 13 Months Ago

[senior-advisor-indiana]

I figured I might as well shop my case on here too. I have a 59 yr old male, NS, good ht/wt, had 2 stents put in within the last 3 or 4 yrs. The most recent was 13 months ago. He is also on 46 units of insulin. did not start taking insulin until he was older than 50. He had a bypass 6 years ago, which I don't think matters. He is on meds for hbp,diabetes,cholesterol and his heart pill, I don't remember what it was but it was only 1.. He has 5K with Colonial that he just purchased within the last 12 months paying $30 or $35 per month. Thank you. Thank you.

PS I am looking for immediate coverage.

 

[Rearden]

Maybe American Memorial -- standard immediate coverage? Not completely sure -- the Insulin might be a knock-out.

Monu wouldn't work -- <24 circulatory surgery plus insulin = ROP.

Hate these kind of cases, don't you?

 

[GreenSky]

Just another guy who got a license in the past few months asking for help.

Rick

 

[VolAgent]

Just another guy who got a license in the past few months asking for help.

Rick

Man, you beat me to this. I was going to ask if he had talked to his bff first.

 

[senior-advisor-indiana]

Just another guy who got a license in the past few months asking for help.

Rick

Actually I failed my first 4 attempts on the test. I am going to write this guy when I pass the exam, if he is still alive.
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Maybe American Memorial -- standard immediate coverage? Not completely sure -- the Insulin might be a knock-out.

Monu wouldn't work -- <24 circulatory surgery plus insulin = ROP.

Hate these kind of cases, don't you?

I looked at Monumentals app and it looks like he qualifies for graded with them. I could be wrong though.

 

[Rearden]

He would have to check "YES" to Insulin and <24 months of circulatory surgery on Page 2, which results in a 2 Year ROP case.

 

[senior-advisor-indiana]

He would have to check "YES" to Insulin and <24 months of circulatory surgery on Page 2, which results in a 2 Year ROP case.

I'll have to check again. I thought the insulin question was "did you take insulin prior to age 50".

 

[Rearden]

I'll have to check again. I thought the insulin question was "did you take insulin prior to age 50".

No -- past 2 year look-back -- you're thinking of RNA.

 

[exLeadJunkie]

combo of insulin diabetic & heart problems is a killer combination ... he's looking for immediate coverage and just aint gonna find it. A carrier would be foolish to offer immediate coverage ... look at graded policy or guaranteed.

 

[senior-advisor-indiana]

combo of insulin diabetic & heart problems is a killer combination ... he's looking for immediate coverage and just aint gonna find it. A carrier would be foolish to offer immediate coverage ... look at graded policy or guaranteed.

Actually he wasn't looking for immediate coverage. He just asked if I could get him a better price. I figured somewhere out there had to be a company that would give him immediate. I guess I am off to find the best graded plan then....