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Hello, anyone know if someone can approve this? I dont sell many stm but saw on uhc app that its a decline
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Hello, anyone know if someone can approve this? I dont sell many stm but saw on uhc app that its a decline
IHC Health Solutions will approve it, but hypertension is a Pre-Existing Condition. Insurance5511, I assume you know the implications of Pre-X and how they are excluded from coverage by Short Term Medical plans. Right?
Here's a PDF of their paper application from a few years back.
https://thebrokerageinc.com/wp-content/uploads/IHC-HPA-Standard-Security-STMM-2-12.pdf
The medical question are the same in today's online version. Online Enrollment is all that's allowed now by the IHC group.
Just got email from uhc stating no more blood pressure question on app
NHIC Short term has simplified issue and Guaranteed Issue STM.
There is no such thing as a good STM policy. The pre-x clauses in those policies all but guarantee coverage only for accidents, post issue of course, and heaven forbid if you happen to aggravate an old injury. I haven't sold a STM plan in over 20 years and certainly wouldn't do so today. Carrying STM would be akin to carrying an auto policy that excludes damage to your vehicle or other's property, or a homeowners policy that excludes physical damage to your home, or a life policy that excludes coverage if you happen to die. Of course, none of those policies exist - it would be illegal to sell them and it should be just as illegal to sell STM.
CMS seems to agree,