United's Underwriting

[VeronicaM]

What is United's underwriting policy for those who are overweight? Is being overweight an automatical denial, or is it simply a rate-up?

I am considering going with United orAetna? I am 5'5 and 22, but I weigh 60 pounds more than I should (although I've started a new exercise and diet routine from whcih I've lost a few pounds already).

Can you tell me more about United's medical underting policy, especially how strict it is?

 

[Crabcake Johnny]

Your age is not relevant. As a female 5.5' the maximum you can weigh for United is 221.

 

[VeronicaM]

Great. I am much skinner than 221.

What if I lose the weight? Will my rates go down?
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I live in Missouri, btw.

 

[Crabcake Johnny]

You won't like this answer, but if you lose a few pounds that's fine. However, if you lose a significant amount of weight in a short period of time before you apply it'll likely result in a decline.
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If you enroll in a plan then lose a lot of weight, the carriers typically want to a full year at the reduced weight before you can reapply for a rate decrease.

 

[PT202]

United is better than most. I had one turned down for their term product asked uw to reconsider as WL and got the policy issued.

I think most carriers are easier on WL and UL than term...

 

[dgoldenz]

United is better than most. I had one turned down for their term product asked uw to reconsider as WL and got the policy issued.

I think most carriers are easier on WL and UL than term...

I think you've got the wrong United...

 

[rmorris]

Unless I've lost my mind, last I checked Aetna's BMI guidelines were much more accepting than any other carrier, especially since they will rate up to 70 or 80% if weight is the only factor.

Sure UHC has the decreasing deductible, but you'll have much better preventative coverage on Aetna assuming they operate like TX plans.

 

[YouGotMyMoney]

Yeah but Aetna only covers 5k max in rx benefits.

 

[somarco]

Time has fairly liberal ht & wt charts as well.

 

[VeronicaM]

I'm actually losing weight slowly. 1-3 pounds per week.

I started the year weighing about 205 pounds. Now, I weight about 194 (I'm 5'5). I currently have a short policy with Anthem that lasts until May 25. This means that I have two months.

I can lose about 15 pounds duringthat time, which means that I will be about 179 when I applyfor long-term insurance. However, even with that weight loss, I'm still 40 pounds overweight.
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Also, does anyone know if United's plan comes with dental coverage?