Insurance Agent Forum

[Tx249]

I have an individual asking about Health Insurance. I don't write Health, nor plan on being appointed for one application.

I have a 59 yo female, self employed, with current major medical only insurance. She is non insulin Diabetic, on a blood pressure pill (because her doctor says it helps the kidneys for diabetics?) and some high cholesterol.

Her current insurance cost around $950 per month, it is an 80/20 plan with 2500 deductible. She is probably in the Dallas market if that matters.

[Bob_The_Insurance_Guy]

Diabetes
HBP
Cholesterol

Best advise: have her raise her deductible to lower her mo. premium, and move on. Get an AOR, if you can.

[dgoldenz]

Originally Posted by Bob_The_Insurance_Guy

Diabetes
HBP
Cholesterol

Best advise: have her raise her deductible to lower her mo. premium, and move on. Get an AOR, if you can.

x2

Doubt she could get underwritten.

[STIBROKER@AUSTIN.RR.COM]

You can have her call me and will advise her.....

[DS4]

I'll bet a dollar she is 5'5" 190lbs.

[Bob_The_Insurance_Guy]

"Other than that, I'm really healthy. I don't know who wouldn't want to cover me."

[Tx249]

STIBROKER

Advise me, and if it is good advise, I will have her call you!

[TXINSURANCE]

Uninsurable with any major reputable carrier.

Group insurance, if not available the Texas High Risk Pool Texas Health Insurance Risk Pool Home Page for Texans in Need of a Health Plan.

Even with just 2 of the 3 items you mentioned you would have major problems placing this case.

[Peelerinsurance.com]

the chick aint gettin bought..

[mtnmusic]

Assurant's Health Access Plan C would run her $234 a month with $25 copays for doctor's office visits and a prescription drug card which she probably doesn't have with her present plan. It's simple issue with only 3 health questions and pre-existent health conditions are covered after 12 months. The app asks about diabetes (excluding gestational diabetes) but no mention is made about HBP so I'll bet you could slide her past underwriting.

Bear in mind that this is a LIMITED-BENEFIT plan with a $200K cap on hospital benefits and a $1M lifetime max so don't brag on it too much. It's still a possible fit for someone with either pocketbook or health issues.

[TXINSURANCE]

Assurant's Health Access Plan C would run her $234 a month with $25 copays for doctor's office visits and a prescription drug card which she probably doesn't have with her present plan. It's simple issue with only 3 health questions and pre-existent health conditions are covered after 12 months. The app asks about diabetes (excluding gestational diabetes) but no mention is made about HBP so I'll bet you could slide her past underwriting.

Bear in mind that this is a LIMITED-BENEFIT plan with a $200K cap on hospital benefits and a $1M lifetime max so don't brag on it too much. It's still a possible fit for someone with either pocketbook or health issues.

Not a good idea.

I am 99% sure diabetes is not acceptable on the plan you referenced. Yes I know the plan and it does have a place, but hardly in Texas. It is a hot product in Florida (which has no Risk Pool) and a few other markets.

Nor would I recommend it with our Risk Pool being "real" coverage - yes it is more money but the other plan is as you stated very limited, even if they were eligible (which I believe they are not).

[Peelerinsurance.com]

what TX said.......

[STIBROKER@AUSTIN.RR.COM]

there is 2 man group options....risk pool....depends on current plan...I take a lot of things into consideration....

Originally Posted by Tx249

STIBROKER
Advise me, and if it is good advise, I will have her call you!