Aetna Underwriting

[susieQ]

Does anybody have a clue how Aetna texas rates up on their individual plans? Tobacco use? Overweight? HBP? They won't let an agent rate up in the field so what do you tell a client? They don't have anything in their underwriting guide other than the silly ABC type things without a %? Only have to do it by prescreen?

 

[Crabcake Johnny]

You need to use the prescreen form in Producer World. They'll tell you if it'll likely be A, B, C or D tier.

 

[Expat]

The underwriting guide has three categories. A, B & C.
According to agent services at Aetna.
A Preferred
B 25% rate up
C 50% rate up.
Also they can use B + C for at total of 75%

 

[CHUMPS FROM OXFORD]

A-Preferred
B-25% increase
C-50% increase
D-Dead

If BMI is outstanding and no conditions...even smokers will get A.

Bad BMI and smoking will probably move then to a C.


The guide is actually pretty good.

 

[Crabcake Johnny]

That depends on the state. For example, in VA C tier can be 100%.

 

[CHUMPS FROM OXFORD]

Wow. That's a big one.

 

[Crabcake Johnny]

Just watch height/weight with Aetna - they use BMI and although they have a chart in their UW guide they don't state where the cut-off is for B and C tiers.

 

[CHUMPS FROM OXFORD]

B cutoff is 36 for a NS.

C cutoff is 42 for a NS.

Both assume no health conditions.

FYI... someone who is 5-5 and weighs 246 is a 41. 6-2 319 is also a 41.

 

[Crabcake Johnny]

Let's see how liberal that is:

I'm 40 yrs 6.0 185:

BMI = 25
In order to be 36 I'd have to weigh 267.

 

[GreenSky]

Wow. That's a big one.

Why thank you!

Rick