Declined for Minor Conditions?

[STIBROKER]

I just wanted to get some quality advice from members of this forum that are well versed in selling health insurance so that I can pass it along to her and, hopefully, help her out.

Premium Rate Tables for the Texas Health Insurance Pool

 

[Ann H]

Underwriters are negative by default. If a condition often is followed by a particular expensive treatment (like surgery for instance), the underwriter will assume that the person would likely have that treatment. Result - decline, rate-up or waiver. Remember, the underwriter isn't looking at just that particular person's desires or intentions. They are looking in a manual that shows PROBABILITY of expenses to be incurred in the future. That's the RISK the insurance underwriter assumes, and the premium (or declination) is based on that assumption of risk.

 

[michelle2594]

I once had someone declined because their kid had ear infections.... they're ridiculous

 

[Guest]

I once had someone declined because their kid had ear infections.... they're ridiculous

More than likely they saw a tube surgery claim in their near future, with the possibility of the policy lapsing shortly after the claim was paid. They are paranoid that way you know....

Also, think this was probably before 9/23 of last year???

 

[IndividualHealthGuy]

More than likely they saw a tube surgery claim in their near future, with the possibility of the policy lapsing shortly after the claim was paid. They are paranoid that way you know....

Also, think this was probably before 9/23 of last year???

Agreed. Chronic ear infections often mean tubes...surgery to put them in, sometimes to get them out...sometimes to put them in again...

UW will not approve a policy with a surgery just waiting to happen. It's really not that complicated...

Maybe that's Michelle Obama posting...

 

[agentgaylee]

She is 56 years old and about to go thru menopause and has
no intentions of having a hysterectomy. Plus after doing research, a woman's fibroids shrink after menopause.
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She applied with Celtic Insurance Co. also applied with Aetna before she started her Cobra and was declined with them also.

Try Golden Rule, they will issue a Rider for this condition.