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Yes . . .
That information was not in your OP . . . OE eliminates the underwriting requirement and negates the N to G question as well.
And gets you paid the non U65 rate.. which usually sucks.
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Yes . . .
That information was not in your OP . . . OE eliminates the underwriting requirement and negates the N to G question as well.
I've only done it a few times and it's been at least 2 yrs since I had a client want to do it, but I just remember it being less cut and dry than expected, so check the resources first.For UHC - take these steps:
(a) Agent handbook - you need to know when the original policy was effective.
(b) Check the rate tables. All of them. Don't assume internal plan changes get current new rates. They have a special chart for plan changes.
(c) be sure to follow the app process. I believe the app has its own kit (which may be where the secret plan change chart is). If I'm remembering correctly, it needs to be a paper app, not LEAN.
Its according to carrier, but in this instance... almost universally NO.
Reason being, the doctor office copay. The only time a comp will allow a no-underwriting change is when going from a greater benefit plan to a lesser. In the case of N to G, the lack of a copay is considered a greater benefit.
BCBSIL allows going from N to G with no underwriting with their GI option.I know they used to allow that, However I feel like, I remember them stopping that a few years ago
BCBSIL allows going from N to G with no underwriting with their GI option.