Transient Ischemia Attack (TIA)

Jul 22, 2008

  1. Bentleyfinancial
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    Bentleyfinancial Expert

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    Does anyone know of an individual carrier that will except someone who had a TIA about 8 or 9 years ago? Please help if you can. Thank you!
     
  2. bluemarlin08
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    Nope, they are really mini strokes.
     
  3. moonlightandmargaritas
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    Yeah, marlin is right. You're automatically at risk for an even bigger stoke = big claim.

    High-risk pool in your state?

    Why is your fleur de lis upside down?
     
  4. GreenSky
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    If you can write the Aetna plan through AARP, the medical questions only go back 5 years. In fact, the question specifically asks about stroke, not TIA. Have to be at least 50 years to be an AARP member.

    Assurant also goes back 5 years but I've never used them so am only guessing.

    Rick
     
    GreenSky, Jul 22, 2008
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  5. moonlightandmargaritas
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    True, but isn't this condition likely to have some ongoing treatment (check-ups), Rick?
     
  6. GreenSky
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    Probably not. If there hasn't been a recurrance of a TIA in 8 years, there is no treatment. If the person is on something like Plavix (unlikely) then of course, that's an issue.

    From what I understand (I'm not a doctor but play one on TV), the only followup is simply normal physical exams. Checkups are NOT treatment.

    Rick
     
    GreenSky, Jul 22, 2008
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  7. ijerome
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    ijerome Super Genius

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    Rick is correct about follow-up. A TIA is really a mini stroke, no damage, there was no follow up. At least for me as I had one about 12 yrs ago. Doc said to see him in 3 weeks. They cannot be predicted. I guess if there is a history or cholesterol problem, modern meds, statins etc., are called for. I would always check with underwriting to see how it is handled.
     
    ijerome, Jul 22, 2008
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  8. GreenSky
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    Unless you must disclose it, I wouldn't discuss it with underwriting. The question on the application gives a specific time frame - don't volunteer information.

    Rick
     
    GreenSky, Jul 22, 2008
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  9. bluemarlin08
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    Right Rick.
     
  10. Bentleyfinancial
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    Its actually a fleur de lis design from a fighting/clothing company named Affliction. I train at a mixed martial arts gym and we have a sponsorship with this company. They also just started a fight league kind of like UFC that Donald Trump co owns.

    So basically I need to just run this client with Aetna and not mention anything unless they ask about the TIA? The reason I ask is because this individual is my father and i want to make sure that he's covered. Yes we do have a high risk pool here but the lifetime max is only 500,000. I'm basically just making sure there is no other option besides small group before I go to the risk pool. Thank you guys for all the responses!