- 748
I talked to the agent this morning. I'm going to withdraw the application. He said it's still seen as a negative mark on my record, a withdraw is the same as a decline....is this right?
No it is not.
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I talked to the agent this morning. I'm going to withdraw the application. He said it's still seen as a negative mark on my record, a withdraw is the same as a decline....is this right?
These are all within the last 10 years:
Rhinitis – Allergy immunotherapy (ongoing )
Dry Eye - keratoconjunctivitis sicca (ongoing)
Sjogren’s Syndrome TEST (potential cause of dry eye) LAB RESULTS NORMAL
Prostatitis – pain from enlarged prostate – (released from care)
Metatarsarsalgia (released)
‘Bulging Discs and/or Disc Joint pain (physical therapy prescribed, no surgery)
Shoulder – partial tear of right rotator cuff (physical therapy prescribed, surgery is by choice)
Recurrent Fibroma on plantar fascia (avoid surgery)
Near Sighted & Astigmatism (Eye glass/ contact lens Rx)
Midcarpal Instability (excersize recmd')
Knee Pain (released)
Giant Papillia Congitis (released)
Hairloss (Propecia Rx)
Cyst-benign on scalp (one removed on back)
inguinal Hernia Repair Surgery (2)
Planter Fascia Fibroma Repair Surgery
Receding gums
High Cholesterol check (just modify diet, no rx)
Anxiety and depression (took 3 meds 6 years ago)
Anal Fissure (released)
Flat feet pain (orthotics made)
Ingrown toenail (released)
TMJ- Temporomandibular joint disorder (bite guard made)
Dry Lip problem
Acne
Pneumonia mild case
deviated septum diagnosed (no treatment)
These were not posted when I put my response yesterday. Can't figure that one out.
Astigmatism, hair loss and receding gums don't need to be noted on the application. Same for flat feet, ingrown toenail, dry lip. Anxiety, depression needs to be noted but should not create an issue.
The other stuff is probably enough to put you over the top with any underwriter. If you are accepted, you will get a policy with a bunch of riders, rate up or both.
My advice would be to keep what you have unless that is no longer an option.
Unfortunately my cobra is almost up, and I'm unemployed, so individual is my only option. I'd do a temp policy, but I have ongoing preexisting conditions that I need treatment for.
It would be easy for an agent to send in a cover letter with your app explaining the reason for your withdrawl was incomplete information and you wanted to get it right. Non-issue, you made the correct choice.
The problem with HIPPA is if unemployed it is tough to pay the higher premium for a scaled down policy. I lose COBRA the end of this month, HIPPA for my wife and I will be 1900 per month and an additional 750 for not covered meds. Hiring my wife and applying for group, will see what those rates will be.