Important Notice Regarding Underwriting UNITED HEALTH

STIBROKER

Like My post and enter the DRAWING,,,,
Moderator
11,200
Texas
[FONT=Arial, Helvetica, sans-serif]May 18, 2010[/FONT]
[FONT=Arial, Helvetica, sans-serif] As of May 17, 2010, we implemented a new underwriting guideline for applicants who are under age 19 and covered on their parents' plan. We will no longer exclude coverage with medical riders so that these applicants will be able to take full advantage of all their policy benefits. Premiums will be adjusted instead of excluding coverage due to pre-existing conditions. This change is applicable for new business in 29 states, and the District of Columbia. See below for further state details.1[/FONT]
[FONT=Arial, Helvetica, sans-serif][/FONT][FONT=Arial, Helvetica, sans-serif]It is our hope that this change in our underwriting practice will help you place more business with us. Your clients seeking family health insurance coverage may benefit from this new underwriting guideline. Remember, we offer the preliminary evaluation form on E-Store for your convenience when you want to know of a family's potential underwriting outcome.

As we continue to prepare for the future, we remain committed to working with our brokers and customers, providing high quality health plans at competitive rates with outstanding service.
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[FONT=Arial, Helvetica, sans-serif][/FONT][FONT=Arial, Helvetica, sans-serif]Thank you,
Golden Rule Insurance Company

1 States where the new underwriting guideline will be applied: AK, AL, AR, AZ, CO, CT, DE, FL, IA, IL, IN, LA, MD, MI, MO, MS, NC, NE, OH, OK, PA, SC, SD, TN, TX, VA, WI, WV, WY and the District of Columbia (D.C.).
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Golden Rule: The King of riders will now have to offer plans with NO exclusions on kids. Its almost comical. Golden Rule in the past would rider a wild growing hair if you had one.
 
I believe the law says no GI, but carriers were caving in and voluntarily doing GI? Who knows...

Sounds like when HIPAA came out and everyone thought their certificate enabled them to GI on the individual market.
 
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