Placing a 64 1/2 Year Old...

[Rachael]

From my experience, if the subscriber cannot keep the policy for a full year, it can't be written. Short term would be the way to go but then I've had some issues come up from that as well. Use Assurant's 6-month or 12-month short term option. That way they can pay month to month like a comprehensive plan (in Illinois at least.)

 

[ins.dave]

Short term policy?

Any short term that integrates br. name scripts?

 

[YouGotMyMoney]

After the deductible is met.

Remember short term does not cover pre ex ever.

 

[somarco]

if the subscriber cannot keep the policy for a full year, it can't be written.

Where did that come from?

 

[ins.dave]

After the deductible is met.

Remember short term does not cover pre ex ever.

---------

I didn't ask that.
I knew this.
I don't remember stating that this person had pre existing.
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From my experience, if the subscriber cannot keep the policy for a full year, it can't be written. Short term would be the way to go but then I've had some issues come up from that as well. Use Assurant's 6-month or 12-month short term option. That way they can pay month to month like a comprehensive plan (in Illinois at least.)

In my experience one can pay "month to month" with any STM?

 

[somarco]

one can pay "month to month" with any STM?

You can do the same with "regular" major med.

 

[ins.dave]

Yes, peach pit, but he is 64 1/2 ...

 

[somarco]

So you believe someone who is 64.5 is not allowed to pay month by month?

 

[ins.dave]

The point is he will not qualify for most Indie plans at 64 1/2.
STM's yes, indie's no.