UHIC vs UHICA

[wehotex]

What puzzles me is the hefty 10%/20% discounts that UHIC (wellness extras) policies that are not calculated at the point of sale. Even though the UHIC (wellness extras) rates are more, the 10/20 discounts will offset the rate difference. This is not visible to me until I see it on Jarvis billing, not on the application itself.
The UHICA discount is only 7% ONLY IF the spouse/partner is also a Med Supp member.
Is there an advantage for UHICA that it might be a potentially healthier risk pool?
It sucks that they have to go through UW just to change between UHIC & UHICA.

 

[Yagents]

Uhica is issue age.
Uhic is attained age.
Could make a big difference long term

 

[tcianflone]

Uhica is issue age.
Uhic is attained age.
Could make a big difference long term

Yeah, but that is determined by the State insurance department, no?

 

[wehotex]

Yeah, but that is determined by the State insurance department, no?

Yes. Texas is an attained age state.

 

[Yagents]

Attained-age vs Issue-age Medigap Plans | GoHealth

Differences between Medigap supplemental plan categories attained-age, issue-age and community-rated plans determine what you pay for your plan premiums.

www.gohealth.com

Not every state offers issue-age-rated plans. Depending on where you live, you may not be able to buy an issue-age-rated plan. States offering issue-age Medigap plans include Arizona, Idaho, Georgia and Florida

 

[just-a-client]

Attained-age vs Issue-age Medigap Plans | GoHealth

Differences between Medigap supplemental plan categories attained-age, issue-age and community-rated plans determine what you pay for your plan premiums.

www.gohealth.com

Not every state offers issue-age-rated plans. Depending on where you live, you may not be able to buy an issue-age-rated plan. States offering issue-age Medigap plans include Arizona, Idaho, Georgia and Florida

California has just Transamerica selling issue age, but possibly only if someone buys direct. They may have an AA line that's broker sold. And also have some group affinity plans.