Humana Underwriting re Pre-Ex
- Thread starter headcoach
- Start date
Going from memory since I am not at my office computer. Both are rated unless there are other medical conditions. Seems like some HTN's are standard, but that may not be right.
I do know they are more reasonable than any of my other carriers in their loads for chol & HTN.
I do know they are more reasonable than any of my other carriers in their loads for chol & HTN.
- 3,863
Depends on the plan deductible - pick up an underwriting guide book, you can probably download online.
- 3,863
Even if it is not declined you are going to have to jump through hoops. I hope you have a motivated buyer willing to play along.
Just looked it up.
HTN + chol = rate up, avg 10% for each med
HTN + chol + tobacco = decline
HTN + chol + ratable build = decline
BP readings last 12 months, chol + tri + HDL/LDL last 12 months
I haven't had any declines with H1 for HTN or chol but then I don't submit stuff that wont pass muster to any carrier.
HTN + chol = rate up, avg 10% for each med
HTN + chol + tobacco = decline
HTN + chol + ratable build = decline
BP readings last 12 months, chol + tri + HDL/LDL last 12 months
I haven't had any declines with H1 for HTN or chol but then I don't submit stuff that wont pass muster to any carrier.
- 9,744
I have been pleasantly surprised with HumanaOne.
About a year ago, I had a 60ish lady that I thought might present some problems due to osteoporosis meds, but no problem. Issued as applied for.
About a year ago, I had a 60ish lady that I thought might present some problems due to osteoporosis meds, but no problem. Issued as applied for.
- 238
Most of the HDHP or Mongrams have been approved same day for me. It's been amazing.
- Staff
- #9
nope, u got nothing....just had a 62 f hbo, chlost. and thyroid done no rider 10% in 3 minn... and it was the top plan 1000 ded, rx and full dr copays..... so there... top that!!!!!
