Aetna no - Assurant...she's a box of Krispy Kreme's away - they'd take her at 231.
Aetna possibly. Underwriting guide said that with her BMI at 40-41 and with no other health problems and non smoker she could get a C rating. If she meets that it's worth a try?
Looks like Unicare will take her w/a waiver @ 232 lbs and no other health conditions (what are the chances of that!). Time for crash diet!
Say she supposedly lost the weight and she went with Uni/xyz company...but come time for paramed she didn't lose enough weight, or other health condition got her declined. Would they still offer coverage for the rest of the family (assuming their health is ok of course)?
Sure, the rest of the family would be no problem. And from past experience I'd grill her over her health. She's an ice cream cone away from being a decline with all carriers. Even if she's technically 2 or 3 pounds within the underwriting guidlines of XYZ company she better not have a single other health problem. I'd be amazed if she didn't have HBP or cholesterol at her weight.
Well, there are medical issue for weight gain aside from just over-eating. I'm one to talk because I've been overweight and I give it to anyone who's properly maintaining their weight and has very low metabolism. It took me a while to get into to workout routine and watch my portions so I don't hold it against anyone for being large. One of the hardest things to do both physically and emotionally is lose a lot of weight. There have been studies done that for people who over-eat food has the same affect on the brain as cocaine.
I don't know about that John. Cocaine makes a heart race like a singer sewing machine and a big mac with fries makes me want to curl up like a house cat lol
Well, there are medical issue for weight gain aside from just over-eating. I'm one to talk because I've been overweight and I give it to anyone who's properly maintaining their weight and has very low metabolism. It took me a while to get into to workout routine and watch my portions so I don't hold it against anyone for being large. One of the hardest things to do both physically and emotionally is lose a lot of weight. There have been studies done that for people who over-eat food has the same affect on the brain as cocaine.
Quite similar to working in sales. An old friend of mine and I came to the conclusion that the sales cycle is a lot like what a drug addict experiences (insert food, adrenaline junkies, etc. for the word drug). You search and search for the next client (drug), get rejected, abandoned, etc. and then you make a sale and feel elated, and then the cycle repeats. PErhaps a sales group similar to the 12 step program might be useful.
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[COLOR=#000066]"Tell me and I will forget. Show me and I will remember. Involve me and I will understand." Confucius
Crash diets to get under the weight limit may not help. On the World app (as well as others), it asks "how much has your weight change in the past year" it then asks for the "cause of weight change".
I had a client who came in about 7 lbs. under the limit for rate up - she answered that she had lost 17 lbs during the year (self diet). UW took the weight change (17 lbs divided by 2 = 8.5) added it to her current weight and rated her up.
She can request that her policy be reviewed in 6 mths. - if she has medical records that show she has maintained her current weight, they could waive the rate up.
5' 4", 235 lb female
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