Med Supp Underwriting

[insuranceagent024]

I have a client who was just rejected by UHC for a Med Supp in Florida and I was wondering if anyone has any ideas on which company might have more liberal underwriting guidelines that I can go to for this client.

They won't tell me the specific reason for rejection.

 

[axeman462]

I have a client who was just rejected by UHC for a Med Supp in Florida and I was wondering if anyone has any ideas on which company might have more liberal underwriting guidelines that I can go to for this client.

They won't tell me the specific reason for rejection.

you need to find out the specific reason why he was rejected. Then you can use that reason as your north star to determine what direction you can go in.

Get your client on the phone and do a 3 way call to underwriting and find out why he was denied

 

[somarco]

They won't tell me the specific reason for rejection.

That could be considered a HIPAA violation . . . but they should be willing to tell your client/prospect.

I thought they would take almost anyone who could fog a mirror . . . as long as they were willing to pay the level 2 premium rates

 

[axeman462]

That would be considered a HIPAA violation . . . but they should be willing to tell you client/prospect.

I thought they would take almost anyone who could fog a mirror . . . as long as they were willing to pay the level 2 premium rates

last few years UW has really tightened up. The good ol' days, where they asked 2 questions are gone.

Don't tell anybody, but the past year or so, I've really had to do some work for my clients and... underwrite.

 

[somarco]

3 way call to underwriting and find out why he was denied

They probably report it to Milliman. I have had to go that route with carriers that are squirrely about discusing the reason for the denial.

Your person may have to wait a couple of weeks until the report is updated, but you can be amazed (and sometimes shocked) at what is in there. It isn't unusual to find bogus claims and diagnosis coding or upcoding "errors"

 

[somarco]

Don't tell anybody, but the past year or so, I've really had to do some work for my clients and... underwrite

No one is accusing you of being Don . . .

 

[insuranceagent024]

you need to find out the specific reason why he was rejected. Then you can use that reason as your north star to determine what direction you can go in.

Get your client on the phone and do a 3 way call to underwriting and find out why he was denied

Are there any carriers, generally speaking, that you would consider to be easier to get clients accepted? I don't do med supps that often...

 

[axeman462]

Are there any carriers, generally speaking, that you would consider to be easier to get clients accepted? I don't do med supps that often...

not really, UHC dominates the market here. You can look at Humana, and Florida Blue, but that aint gonna tell you much until you know the reason he was denied

 

[rmhaire]

Are there any carriers, generally speaking, that you would consider to be easier to get clients accepted? I don't do med supps that often...

The short answer is yes but without the specific condition we can't tell you which one.

The best way to learn which company is more lenient is to study the application. Make copies of each carrier's application and put them in a 3-ring binder. Just the pages that have the medical questions. And learn them.

MS and FE underwriting is pretty simple. If the applicant can pass the questions he's usually going to get approved. There will be times he won't. Things like forgotten scripts or lying and such.

The first underwriter to see the application is going to be you.

 

[Millwood]

Try United American have no idea what their rates are in FL. Their health questions haven't changed in 40 years. Old simple questions.