I've never been a big fan of writing individual health ins but these guys are freaking me out. In the last few weeks I've gotten a denial on a male 48 for smoking 20cigs/day, a 28F non tobacco denied for a mild case of anxiety, another 32F non tobacco denied for anxiety Dr submitted letter verifying that she can likely go without the meds, and today
approval on a 62M, w hypertension and oral med diabetic !
Is this the frustration you full timers deal with every day? I'm guessing you need to be medicated to do this for a living