Underwriting 76% Rate Up Review

[HoustonInsure]

I have a two man group that got rated up76% from va quote. BC will reconsider with doctors explanation. The doctor came back with a letter that stated other, from the clients view that he had a second hip replacement because of infection in the joint. He never put that on the application and just stated one operation several years ago.
The question is it worth asking for a reconsideration?

 

[somarco]

When was the 2nd hip replacement and how much time between #1 and #2?

 

[HoustonInsure]

First replacment was in 2005 and then 2009

 

[somarco]

Regardless of the circumstances that triggered the 2nd operation, an underwriter is probably thinking he is about due for another.

I can't speak to the underwriting of Blue in your state, but in GA they cut very little slack and go from std to the max allowed rate up without stopping in the interim.

Assuming Obamacare survives, come 2014 you won't have a market for small group. Even the current market is way overpriced as it continues to compress due to the economy and current/future Obamacare mandates.