TX suggested a thread on waivers vs. surcharge, so here goes. In many situations, I prefer waivers over surcharges. In most cases the cost of treating the condition is insignificant and for minor conditions (HTN, GERD, etc.) the add-on charged by carriers is through the roof. I recently submitted a case to Coventry. 47 year old female, non-smoker, normal ht & wt treating GERD with one Rx. Coventry's offer was a 50% rate up. Had they decided to go to 51% she would have been declined. Of course Coventry does not offer pre-screens. When they entered the GA market 5 months ago they were approving 90+% of the apps in 3 days and most at standard rates. Now they are closer to 70% approval and rate ups on close to 80% of the apps. Aetna - 25% Blue - 20% and no coverage for GERD for at least 12 months Celtic - 25% Humana - Standard Golden Rule - Standard KP - 20% Time - 20% World - 20% After adjusting for rate ups, Coventry was still less than the other carriers, even those at standard rates. The 50% rate up was brutal and annoyed the client to the point she may end up staying where she is. Humana or Golden Rule would have been a better choice but she was dazzled by the benefits & low rate of Coventry and I could not get her off that trek. In most situations the waiver would have been preferable. Humana has not been a player until this week when they unveiled their new series. In this particular situation, where the lady wanted a very rich benefit plan, the rates were skewed in favor of Coventry. Had she taken my advice she would have saved a lot of premium dollars & grief over the rate up. But she insisted on a copay plan to cover the cost of her doc & meds, even though the Rx copay would not have kicked in until she paid "full price" for the Rx for 6 months.